Home Insurance in Hazelton, Kansas
With a median home value of $52,500, Hazelton is 46% lower than the Barber County median.
The typical home in Hazelton was built around 1953. About 72% of homes were built before 1960, about 15 points above Barber County's 57%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hazelton is 85% single-family homes and 5% apartments in buildings with 5+ units.
About 38% of owner-occupied homes in Hazelton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hazelton has an owner-occupancy rate of 89% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hazelton, 67% of homes are primarily heated with natural gas.
Barber County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Barber County had 4 active NFIP flood policies as of September 2026. See the full Barber 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 | $52,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Barber County | 4 |
| 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)