Home Insurance in Savonburg, Kansas
With a median home value of $38,300, Savonburg is 64% lower than the Allen County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Savonburg was built in 1939 or earlier. About 61% of homes were built before 1960, about 15 points above Allen County's 46%.
The housing stock in Savonburg is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Savonburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Savonburg has an owner-occupancy rate of 90% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Savonburg - 75% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Allen County's overall risk as Very Low, led by winter weather (Relatively Low). 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 home value | $38,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)