Home Insurance in Reserve, Kansas
The median home value in Reserve is $83,300, 29% lower than the Brown County median.
The typical home in Reserve was built around 1981. About 33% of homes were built before 1960, about 13 points below Brown County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Reserve breaks down to 53% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
12% of owner-occupied homes in Reserve carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Reserve has an owner-occupancy rate of 33% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Reserve - 71% - are primarily heated with natural gas.
FEMA rates Brown County's overall risk as Very Low, led by wildfire (Relatively Low). 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.
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 | $83,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)