Home Insurance in Claflin, Kansas
Homes in Claflin carry a median value of $107,300 - 15% lower than the Barton County median.
The typical home in Claflin was built around 1956. About 56% of homes were built before 1960, about 5 points above Barton County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Claflin is 99% single-family homes and 1% apartments in buildings with 5+ units.
41% of owner-occupied homes in Claflin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Claflin has an owner-occupancy rate of 86% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Claflin, 96% of homes 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.
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 | $107,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)