Home Insurance in Galatia, Kansas
The median home in Galatia was built in 1939 or earlier. About 61% of homes were built before 1960, about 10 points above Barton County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Galatia breaks down to 100% single-family homes.
In Galatia, about 7% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Galatia are owner-occupied.
In Galatia, 87% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 7% |
| 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)