Home Insurance in Fulton, Kansas
The median home value in Fulton is $65,000, 43% lower than the Bourbon County median.
The typical home in Fulton was built around 1966. About 29% of homes were built before 1960, about 24 points below Bourbon County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fulton is 55% single-family homes and 45% mobile or manufactured homes.
About 41% of owner-occupied homes in Fulton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fulton has an owner-occupancy rate of 77% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Most homes in Fulton - 51% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $65,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)