Home Insurance in Hoisington, Kansas
The median home value in Hoisington is $95,000, 25% lower than the Barton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hoisington was built around 1955. About 60% of homes were built before 1960, about 8 points above Barton County's 51%.
In Hoisington, the housing stock is 89% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
43% of owner-occupied homes in Hoisington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Hoisington are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hoisington - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hoisington? FEMA's National Risk Index points to hail (Relatively High) in Barton County and 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 | $95,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)