Home Insurance in Redfield, Kansas
With a median home value of $70,000, Redfield is 38% lower than the Bourbon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Redfield was built in 1939 or earlier. About 66% of homes were built before 1960, about 14 points above Bourbon County's 52%.
In Redfield, the housing stock is 70% single-family homes, 5% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Redfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Redfield are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Redfield, 48% of homes are primarily heated with electricity.
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.
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 | $70,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)