Home Insurance in Kincaid, Kansas
With a median home value of $30,000, Kincaid is 82% lower than the Anderson County median.
The typical home in Kincaid was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 3 points above Anderson County's 47%.
The housing stock in Kincaid is 80% single-family homes and 20% apartments in buildings with 5+ units.
About 27% of owner-occupied homes in Kincaid have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Kincaid are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kincaid - 53% - are primarily heated with electricity.
FEMA rates Anderson County's overall risk as Very Low, led by winter weather (Relatively Moderate). Anderson County had 10 active NFIP flood policies as of September 2026. 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 | $30,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)