Home Insurance in Ness City, Kansas
With a median home value of $116,600, Ness City is 30% higher than the Ness County median.
The typical home in Ness City was built around 1962. About 48% of homes were built before 1960, about 3 points below Ness County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ness City is 85% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 43% of owner-occupied homes in Ness City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ness City has an owner-occupancy rate of 82% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Ness City - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ness City? 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 home value | $116,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)