Your owner's manual should also have a little diagram pointing out both fuse panels....the underhood one and the in-cab one. The in-cab one is behind a door on the passenger kick panel. Imagine sitting in the passenger seat and if you rotate your right foot outward, you'll kick the panel which covers the fuse box.
Rangers 95-03 have their interior fuse panel on the left side of the dash, again behind a removable door. 03 down and 04 up do have an unlisted in owner's manual relay panel of sorts sort of between the radio and gauge cluster, behind the dash and above the throttle pedal.
Edit: should be page 183 of your owner's manual.