Published July 10, 2026 · 40 years in trucking & the trades
What we cover in Scotia
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Scotia choose a local agent
When you're in Scotia, Greeley County, you get a real person who knows NE — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Scotia: the local picture
Scotia sits where the North Loup River valley flattens out into irrigated corn and cattle country, so your risk conversations start on the farm and end at the hatchery. Cargill’s Greeley County beef processing plant, just a few miles south on US-281, anchors the local job base—folks commute short distances but bring home paychecks that make homeowners insurance limits matter. When a hailstorm flattens a cornfield or a downburst punches holes in metal roofs around the Historic Downtown Scotia (Chalk Building and all), you’re not just writing a policy; you’re explaining why a “roof-surface deductible buyback” can pay off when the next supercell parks over Greeley County. Flood maps show most of town in the low-to-moderate-risk zone, but the hatchery’s low-lying pond system and the river’s backwater during thunderstorm outflow mean sewer-backup and sump-pump coverage see steady demand. Wind and hail drive the most claims here, so personal and farm policies need the Nebraska “named storm” and “wind/hail” endorsements—Scotia’s seen enough microbursts off the river bluffs to prove it.
Population: 301 (2020)
Housing in Scotia
Most housing stock dates to the 1950s–1980s, with a mix of wood-frame and brick ranch-style homes; a few pre-1950s dwellings remain in the oldest part of town. There are no formal historic districts, only scattered older homes. A handful of manufactured homes are present on the village periphery. Replacement cost per square foot is moderate for the region, but roof and exterior maintenance are key concerns due to age and Nebraska weather exposure.
Major local employers & who's hiring
- Riverside Fertilizer — wholesale
Local Scotia businesses
A few businesses that call Scotia home — independent of our agency.
- Sinclair Gas Station — c-store
- State Bank of Scotia — financial
- Platinum Truck Service LLC — main-street
Local landmarks & geography
- North Loup River — Perennial stream flowing near Scotia; floodplains and low-lying areas along the river are prone to localized flooding, which can increase property and crop insurance risk. Source: https://en.wikipedia.org/wiki/Scotia,_Nebraska
- Historic Downtown Scotia (Chalk Building) — Listed on the National Register of Historic Places; historic masonry construction may face higher insurance risk for wind and flood damage due to age and materials. Source: https://en.wikipedia.org/wiki/Scotia,_Nebraska
- U.S. Route 281 — Major north–south highway passing just west of Scotia; increased traffic and accessibility can elevate property and liability risks. Source: https://en.wikipedia.org/wiki/Scotia,_Nebraska
- Cargill Meat Solutions — Major employer in Scotia; large processing plant increases liability, workers' compensation, and business interruption exposure. Source: https://en.wikipedia.org/wiki/Scotia,_Nebraska
Local facts that shape your coverage
- Scotia is located in northern Greeley County, NE, with a population of 337 as of the 2020 U.S. Census. — Provides geographic and demographic context for risk assessment.
- The nearest NOAA/NWS reporting station is at Ord, NE (ORD), about 30 miles southwest of Scotia, covering severe weather for the region. — Identifies the official weather monitoring source for Scotia.
- FEMA’s National Flood Hazard Layer shows Scotia outside mapped 1% annual-chance flood zones, indicating minimal riverine flood risk. — Quantifies flood risk specific to Scotia.
- Scotia’s primary industries are agriculture (irrigated corn and cattle) and local services, including Nebraska’s largest state fish hatchery. — Drives demand for farm, property, and business interruption coverages tied to weather and commodity swings.
- Scotia lies in a region with moderate severe-weather risk, historically experiencing thunderstorms, hail, and occasional tornadoes, with peak activity in spring and summer per NOAA Storm Data patterns. — Justifies endorsements for wind/hail, named storm, and tornado coverage on homes and ag structures.
Local figures compiled from public sources: en.wikipedia.org · census.gov · weather.gov · fema.gov · datausa.io. Estimates — verify current details with the original source.
Insurance requirements in Nebraska
Nebraska is an at-fault state and requires liability plus uninsured/underinsured-motorist coverage. With a strong agricultural base and frequent severe storms, farm, crop, and hail-aware home coverage matter across the state. As an independent agency we shop multiple carriers to fit Nebraska's requirements and exposures. Verify current state minimums with the Nebraska Department of Insurance.
Scotia, NE insurance — common questions
How much does insurance cost in Scotia, NE?
Rates in Scotia and Greeley County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Scotia?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Scotia and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Scotia today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.