Home Insurance in Westphalia, Kansas
With a median home value of $37,900, Westphalia is 78% lower than the Anderson County median.
The median home in Westphalia was built in 1939 or earlier. About 79% of homes were built before 1960, about 32 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 Westphalia, the housing stock is 93% single-family homes and 7% 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 Westphalia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Westphalia are owner-occupied.
58% of homes in Westphalia are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Westphalia? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Anderson County and 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.
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 | $37,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)