Coats, KS Insurance Guide — Local Risks & Coverage
Licensed insurance agent, BNW Services LLC · 40 years in trucking & the trades
Here's the local picture for insurance in Coats, Kansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Coats: a local agent's take
Living in Coats, we know our homes are part of our history, with a median age of 78 years. Most of us are in older, likely frame-built homes, which means replacement costs for materials can be higher than modern construction. It's not just about the median home value of $76,900; it's about making sure your dwelling coverage reflects the true cost to rebuild with similar materials, especially with roofs and components that have seen a lot of Kansas weather. That's why considering guaranteed replacement cost coverage, not just actual cash value, is crucial here. When those central Kansas storms roll through, bringing tornadoes, damaging winds, and large hail – like the 60-80 mph winds we saw near Pratt in August 2011 – older roofs are often the first to go. A robust homeowners policy with comprehensive wind and hail coverage is non-negotiable, and don't forget full coverage on your vehicles for hail damage too.
The Coats economy & who needs coverage
Coats, KS, employs 42 people. The local job base is primarily in Food Preparation & Serving Related Occupations (18 people), Health Technologists & Technicians (6 people), and Sales & Related Occupations (6 people). (Source: https://datausa.io/profile/geo/coats-ks/)
Major employers & who's hiring in Coats
- Shriver Elevator Inc. — Agriculture (Grain Elevator)
Local landmarks & geography
- General Flood Risk (Pratt County) — Coats, KS is located in Pratt County, which experiences general flood risk, including flash floods. This indicates an increased risk of property damage due to water for properties in the area.
- Pratt Community College (Pratt, KS) — While not directly in Coats, Pratt Community College is located in Pratt, KS, approximately 12 miles northeast of Coats. Its proximity can indirectly affect property values and the local economy within the region, including attracting residents and supporting local businesses.
- No Named Significant River/Lake/Creek — Extensive web searches did not identify any named significant rivers, lakes, or creeks directly within or immediately adjacent to Coats, KS, that would serve as a specific landmark for insurance risk. Information suggests the town's area is 'all land'.
- No Formally Designated Historic Downtown/District — Web searches did not identify a formally designated historic downtown or district, nor specific historic buildings widely documented as landmarks in Coats, KS. This suggests a lack of specific historic preservation risks or unique property valuation factors associated with such a district.
- No Nearby State Park — Web searches did not identify any state parks immediately near Coats, KS, that would significantly affect insurance risk due to visitor traffic, wildfire risk, or other park-related factors.
- No Interstate Highway — Coats, KS is not located near an Interstate highway. The absence of a major interstate minimizes risks associated with high traffic volume, potential accidents, and commercial development typically found along such routes.
- No Major Industrial Plant — Web searches for businesses in Coats, KS, indicate a small number of local businesses (e.g., 13 businesses on Manta.com), but no major industrial plant. The absence of a major plant means no large-scale industrial hazards, pollution risks, or high-value industrial property influencing insurance premiums.
Housing stock in Coats
The median age of Coats, KS, real estate is 78 years old. The median home value is $76,900, significantly lower than the US House Median Value. This suggests an older housing stock, likely frame construction typical of rural Kansas, which could imply older roofs and components impacting replacement costs. (Source: https://www.bestplaces.net/housing/city/kansas/coats)
Weather & flood risk in Coats
Coats, KS, located in Pratt County, faces a risk of severe weather including tornadoes, damaging winds, and large hail, typical for central Kansas. The area is covered by the National Weather Service Wichita, Kansas, which has documented past severe storm events in the vicinity, such as those in August 2011 that produced 60-80 mph winds near Pratt.
Local facts that affect Coats insurance
- As of the 2020 census, the population of Coats, Kansas, was 68. — High
- Pratt County, where Coats is located, is within the service area of the National Weather Service Wichita, Kansas. — High
- Kansas experiences a wide variety of severe weather, including tornadoes, damaging winds, large hail, and flash flooding. — High
- The city of Pratt, Kansas, located approximately 12 miles northeast of Coats, has an average annual precipitation of 27.5 inches. — Medium
- On August 12, 2011, severe storms produced 60 to 80 mph winds across parts of Pratt County, highlighting the region's vulnerability to damaging wind events. — This event demonstrates the significant wind risk in Coats, KS, directly impacting the need for comprehensive homeowners and auto insurance coverage for wind damage.
Get covered in Coats
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Sources: datausa.io · en.wikipedia.org · en.wikipedia.org · weather.gov · usclimatedata.com · weather.gov · us-farming.com · localconditions.com · en.wikipedia.org · manta.com