Home Insurance in Ransom, Kansas
The median home value in Ransom is $57,800, 36% lower than the Ness County median.
The typical home in Ransom was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 2 points below Ness County's 51%.
The housing stock in Ransom is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ransom, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Ransom 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. In Ransom, 78% of homes are primarily heated with propane.
What's the biggest home insurance risk near Ransom? 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.
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 home value | $57,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)