Home Insurance in Garnett, Kansas
The median home value in Garnett is $149,100, 13% lower than the Anderson County median.
The typical home in Garnett was built around 1957. About 55% of homes were built before 1960, about 8 points above Anderson County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Garnett, the housing stock is 89% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
50% of owner-occupied homes in Garnett carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Garnett has an owner-occupancy rate of 68% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Garnett - 72% - are primarily heated with natural gas.
Anderson County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Anderson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $149,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Anderson County | 10 |
| 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)