Home Insurance in Fort Scott, Kansas
With a median home value of $100,500, Fort Scott is 12% lower than the Bourbon County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fort Scott was built around 1946. About 68% of homes were built before 1960, about 15 points above Bourbon County's 52%.
The housing stock in Fort Scott is 83% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Fort Scott, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Fort Scott are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fort Scott, 70% of homes are primarily heated with natural gas.
Bourbon County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Bourbon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $100,500 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Bourbon County | 16 |
| 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)