Home Insurance in Brown County, Kansas
With a median home value of $118,100, Brown County is 46% lower than the Kansas median.
The typical home in Brown County was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 46% of homes were built before 1960, about 14 points above Kansas's 32%.
In Brown County, the housing stock is 85% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
41% of owner-occupied homes in Brown County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Brown County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brown County, 54% of homes 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.
The top hazards for Brown County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Brown County has 2 active NFIP flood policies on file.
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 | $118,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)