Home Insurance in Randall, Kansas
The median home in Randall was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 72% of homes were built before 1960, about 13 points above Jewell County's 59%.
The housing stock in Randall is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Randall, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Randall has an owner-occupancy rate of 34% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Randall - 63% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jewell County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Jewell County has no active NFIP flood policies on file. See the full Jewell County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively High) |
| 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)