Raymond, 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 Raymond, Kansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Raymond: a local agent's take
Folks in Raymond, with our tight-knit community of 85 residents, know the importance of looking out for each other, and that extends to protecting our homes and businesses. Our older housing stock, largely frame and brick with some manufactured homes mixed in, means that getting your dwelling coverage right is critical. Replacement cost coverage, especially for roofs, is a must here. Given we're smack dab in 'Tornado Alley,' wind and hail deductibles are something we talk about a lot. It’s not a matter of if, but when, a severe storm rolls through. And with Rattlesnake Creek nearby and the general lay of the land, flood insurance is a smart move that standard policies don't cover – something to seriously consider to protect what you've built. For our local businesses and institutions, insurance isn't just a formality; it's a foundation. Kanza Cooperative Association, being central to our agricultural economy, needs comprehensive commercial property insurance for their facilities and equipment, along with robust general liability and workers' compensation to cover their operations and employees. Central Plains USD 112, serving our kids, relies on solid liability and property coverage for their buildings and vehicles, like school buses. And the City of Raymond, keeping our small town running, requires municipal liability and property insurance to protect against the unique risks of local government. It's about making sure our community pillars are secure, so Raymond can keep thriving.
The Raymond economy & who needs coverage
The local job base in Raymond, Kansas, is predominantly agricultural and supported by related services, reflecting the broader economic activities of Rice County and rural Kansas. There are no indications of major industrial or commercial employers within the small town itself. (Inferred from https://www.kansascommerce.gov/industry/agriculture/, https://www.wichitaliberty.org/economics/kansas-agriculture-and-the-economy/)
Major employers & who's hiring in Raymond
- Kanza Cooperative Association — Agriculture/Grain Processing (hiring)
- Central Plains USD 112 — Education
- City of Raymond — Government
Local businesses in Raymond
A few local businesses that make Raymond what it is — independent of our agency.
- Affordable HVAC repair services in Raymond, KS — HVAC
- BRB Tree Service — Tree Trimming/Arborist
- Roof maintenance in Raymond, KS — Roofing
- Nexdor Dumpster Rental — Dumpster Rental/Excavation
Local landmarks & geography
- Rattlesnake Creek — Proximity to Rattlesnake Creek implies flood risk for properties located within the floodplain or adjacent areas. The presence of a stream-gaging station at Raymond indicates its local hydrologic significance.
- Quivira National Wildlife Refuge — Located partly in Rice County, where Raymond is situated, the refuge can influence local property values and may present unique environmental considerations, such as wildlife activity, for nearby properties.
Housing stock in Raymond
The housing stock in Raymond is likely older, typical of a very small, established rural Kansas town. Construction types would primarily be frame, with some brick structures possible, and manufactured homes are also available. There are no formal historic districts or new subdivisions. The age and construction type suggest that replacement costs for roofs and other components would be influenced by the typical maintenance and material profiles of older homes, with manufactured homes offering a different cost structure. (Inferred from general characteristics of rural towns and https://www.manufacturedhomes.com/city/Raymond/Kansas/)
Weather & flood risk in Raymond
Raymond, KS, located in Rice County, is situated within 'Tornado Alley,' indicating a heightened risk for severe weather events including tornadoes, severe thunderstorms, and hail, particularly during the spring and summer months.
While specific detailed flood maps for Raymond, KS, require direct navigation of the FEMA Flood Map Service Center, the area is generally susceptible to flooding typical of central Kansas, which has a history of flood events.
Local facts that affect Raymond insurance
- As of the 2020 Census, the population of Raymond, Kansas, was 85. — Basic demographic information.
- The city of Raymond, Kansas, was named after Emmons Raymond, a former Director of the Atchison, Topeka and Santa Fe Railway. — Historical context of the town's naming.
- Raymond, Kansas, experiences a Humid Continental climate with hot summers and year-round precipitation (Köppen climate classification Dfa). — Provides insight into the general climate conditions.
- Raymond, Kansas, had a population of 85 as of the 2020 Census, reflecting its status as a very small, rural community. — A small population can influence insurance rates (e.g., lower crime rates might reduce certain premiums) and the types of risks prevalent in a close-knit community.
- Kanza Cooperative Association, a key employer in Raymond, focuses on agricultural services, including helping farmers sell their crops. — This directly impacts commercial insurance needs for the co-op, emphasizing coverage for agricultural property, equipment, and related liabilities.
Get covered in Raymond
We're an independent agency — we compare 80+ carriers to fit Raymond's risks to your budget. See Raymond, KS insurance & get a quote → or call 573-594-5148.
Sources: en.wikipedia.org · weather-atlas.com · kanzacoop.com · recruiting.paylocity.com · en.wikipedia.org · citydirectory.us · kgs.ku.edu · en.wikipedia.org