Home Insurance in Hiawatha, Kansas
With a median home value of $121,800, Hiawatha is close to the Brown County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hiawatha was built around 1963. About 46% of homes were built before 1960, in line with Brown County (46%).
In Hiawatha, the housing stock is 77% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
51% of owner-occupied homes in Hiawatha carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Hiawatha are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hiawatha, 78% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Hiawatha? FEMA's National Risk Index points to wildfire (Relatively Low) in Brown County and Brown County had 2 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $121,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Brown County | 2 |
| 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)