Home Insurance in Rantoul, Kansas
The median home value in Rantoul is $120,200, 40% lower than the Franklin County median.
The typical home in Rantoul was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, in line with Franklin County (33%).
In Rantoul, the housing stock is 64% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rantoul, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Rantoul are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rantoul - 77% - are primarily heated with natural gas.
Franklin County had 34 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $120,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Franklin County | 34 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)