Home Insurance in Effingham, Kansas
Homes in Effingham carry a median value of $99,100 - 32% lower than the Atchison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Effingham was built around 1963. About 46% of homes were built before 1960, about 4 points above Atchison County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Effingham is 83% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 37% of owner-occupied homes in Effingham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Effingham has an owner-occupancy rate of 81% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Effingham - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Effingham? 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.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $99,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)