Home Insurance in Pawnee Rock, Kansas
The median home value in Pawnee Rock is $59,600, 53% lower than the Barton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Pawnee Rock was built in 1939 or earlier. About 71% of homes were built before 1960, about 20 points above Barton County's 51%.
The housing stock in Pawnee Rock is 100% single-family homes.
About 33% of owner-occupied homes in Pawnee Rock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pawnee Rock has an owner-occupancy rate of 84% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Pawnee Rock - 78% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Pawnee Rock? 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.
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 | $59,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)