Home Insurance in Ness County, Kansas
With a median home value of $89,700, Ness County is 59% lower than the Kansas median.
The typical home in Ness County was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 19 points above Kansas's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ness County is 89% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
33% of owner-occupied homes in Ness County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Ness County are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Ness County are primarily heated with natural gas.
The top hazards for Ness County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Very Low) and winter weather (Relatively Low).
As of September 2026, Ness County has 2 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $89,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)