Home Insurance in Sharon, Kansas
Homes in Sharon carry a median value of $104,900 - 8% higher than the Barber County median.
The median home in Sharon was built in 1939 or earlier. About 61% of homes were built before 1960, about 4 points above Barber County's 57%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sharon is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Sharon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sharon has an owner-occupancy rate of 100% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Sharon, 86% 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.
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 | $104,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)