Home Insurance in Brownell, Kansas
The typical home in Brownell was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 3 points below Ness County's 51%.
The housing stock in Brownell is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Brownell carry a mortgage.
Brownell has an owner-occupancy rate of 60% and a vacancy rate of 81%; unoccupied homes typically need a different coverage form.
Most homes in Brownell - 80% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Brownell? FEMA's National Risk Index points to hail (Relatively Moderate) in Ness County and Ness County had 2 active NFIP flood policies as of September 2026. See the full Ness 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 year built | 1971 |
|---|---|
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ness County | 2 |
| 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)