Home Insurance in Ramona, Kansas
The median home value in Ramona is $81,300, 35% lower than the Marion County median.
The median home in Ramona was built in 1939 or earlier. About 72% of homes were built before 1960, about 18 points above Marion County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ramona is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Ramona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ramona has an owner-occupancy rate of 97% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
In Ramona, 100% of homes are primarily heated with natural gas.
Marion County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Marion County had 15 active NFIP flood policies as of September 2026. See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $81,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Marion County | 15 |
| 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)