Home Insurance in Albert, Kansas
Homes in Albert carry a median value of $70,800 - 44% lower than the Barton County median.
The typical home in Albert was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 14 points above Barton County's 51%.
In Albert, the housing stock is 100% single-family homes.
About 49% of owner-occupied homes in Albert have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Albert are owner-occupied.
79% of homes in Albert are primarily heated with natural gas.
FEMA rates Barton County's overall risk as Relatively Low, led by hail (Relatively High). Barton County had 92 active NFIP flood policies as of September 2026. See the full Barton 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 | $70,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Barton County | 92 |
| 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)