Home Insurance in Atchison, Kansas
Homes in Atchison carry a median value of $129,700 - 11% lower than the Atchison County median.
The typical home in Atchison was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 6 points above Atchison County's 42%.
The housing stock in Atchison is 78% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Atchison, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Atchison has an owner-occupancy rate of 60% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Atchison, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Atchison? FEMA's National Risk Index points to wildfire (Relatively Low) in Atchison County and Atchison County had 17 active NFIP flood policies as of September 2026. See the full Atchison 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 | $129,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Atchison County | 17 |
| 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)