Randall, 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 Randall, Kansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Randall: a local agent's take
Living in Randall, you know our homes are generally modest, with a median value around $36,100. While that means lower replacement costs compared to bigger cities, it doesn't mean we skimp on protection. Given the age of many of our homes, regular maintenance and ensuring proper coverage for things like roofing is key. With the low homeownership rate, it’s also a good reminder that renters need to protect their belongings with a solid renters insurance policy, especially against the severe weather we experience.
And speaking of weather, anyone who lives here knows our biggest concern is the sky. Hail is a frequent visitor, with Doppler radar detecting it over a hundred times nearby, including eight just last year. That makes a good comprehensive policy with a strong roof endorsement and manageable wind/hail deductibles absolutely essential. Beyond hail, our summers are hot and humid, and winters are freezing, snowy, and windy, which means homeowners need to be ready for everything from potential burst pipes to ice damming. Tornado preparedness is a year-round thought, so robust windstorm coverage is non-negotiable.
Our local economy is tight-knit, with our employers like Randall Farmers Co-op Union (now transitioning with Central Valley Ag) and Jewell County Hospital being cornerstones. The Co-op needs specialized commercial policies to cover their agricultural operations, equipment, and liability for their grain and supply services. For Jewell County Hospital, a critical access facility that just completed a major remodel in 2021, professional liability, property coverage for their updated facilities, and general business continuity are paramount. Even Jewell USD 279, our local school district, needs comprehensive property and liability coverage to protect our students and staff. Understanding the specific risks these local businesses face helps me tailor their coverage right here at home.
The Randall economy & who needs coverage
The economy of Randall, KS employs 73 people. In 2024, the largest industries in Randall, KS were Educational Services (16 people), Agriculture, Forestry, Fishing & Hunting (14 people), and Retail Trade (8 people). The highest paying industries included Educational Services ($48,000), Educational Services, & Health Care & Social Assistance ($47,885), and Health Care & Social Assistance ($33,750). Source: https://datausa.io/profile/geo/randall-ks/
Major employers & who's hiring in Randall
- Randall Farmers Co-op Union — Agriculture / Grain Processing (hiring)
- Jewell County Hospital — Healthcare (hiring)
- Jewell USD 279 — Education
Local landmarks & geography
- Lovewell Reservoir — A reservoir in Jewell County, Kansas, used for flood control, which impacts regional water levels and potential flood risk for properties in the surrounding area.
- Lovewell State Park — A state park located on the north shore of Lovewell Reservoir in Jewell County. Proximity to a state park can affect property values and potential for storm damage to recreational infrastructure.
- Kansas Highway 28 — A state highway that passes through Randall, KS. Proximity to a major roadway can affect property access, noise levels, and potential for vehicle-related incidents.
- Randall Rural High School (Historic Building) — A historic rural high school built in the late 1800s. Historic buildings may have specific insurance considerations due to age, construction materials, and potential for preservation requirements.
Housing stock in Randall
In 2022, the median property value in Randall, KS was $36,100, and the homeownership rate was 34.2%. The largest share of households pay property taxes in the $800 - $1,499 range. Given the low median property value, replacement costs and roof expenses are likely to be lower compared to areas with higher property values. Source: https://datausa.io/profile/geo/randall-ks/
Weather & flood risk in Randall
Randall, KS experiences a notable risk of severe weather, particularly hail events, with Doppler radar detecting hail on 109 occasions at or near the city, including 8 times in the past year. As part of Jewell County, the area is also subject to general severe weather warnings such as thunderstorms and potential tornadoes.
However, Kansas counties generally exhibit a very low historical flood loss, with the majority graded 'A' for flood risk, suggesting a typically low flood risk for the region.
Local facts that affect Randall insurance
- As of the 2020 Census, the city of Randall, Kansas, had a population of 79 residents. — High
- Doppler radar has detected hail at or near Randall, KS on 109 occasions, with 8 of these occurring in the past year. — High
- Randall is a city located in Jewell County, Kansas, United States. — Medium
- Jewell County Hospital, a 25-bed critical access hospital and rural health clinic serving Randall and the surrounding area, completed a full facility remodel in January 2021, impacting its property insurance needs. — Recent major renovations can affect replacement cost values and may require updates to commercial property insurance policies to reflect the new construction and increased value.
- Randall Rural High School is designated as a Historic Building, which could imply specific requirements or considerations for property insurance due to its age and historical significance. — Historic buildings often require specialized property insurance that covers restoration costs with historically appropriate materials and craftsmanship, which can be more expensive than standard reconstruction.
Get covered in Randall
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Sources: datausa.io · en.wikipedia.org · interactivehailmaps.com · jewellcohospital.org · jewellcohospital.org · en.wikipedia.org · en.wikipedia.org · en.wikipedia.org · grokipedia.com · mapquest.com