Home Insurance in Bassett, Kansas
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Bassett was built in 1939 or earlier. About 57% of homes were built before 1960, about 11 points above Allen County's 46%.
Housing in Bassett breaks down to 100% single-family homes.
Almost no owner-occupied homes in Bassett carry a mortgage.
All occupied homes in Bassett are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bassett, 20% of homes are primarily heated with natural gas.
Allen County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Allen County had 68 active NFIP flood policies as of September 2026. See the full Allen County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Allen County | 68 |
| 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)