Home Insurance in Willis, Kansas
Homes in Willis carry a median value of $50,000 - 58% lower than the Brown County median.
The typical home in Willis was built around 1963. About 45% of homes were built before 1960, about 1 point below Brown County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Willis is 100% single-family homes.
10% of owner-occupied homes in Willis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Willis are owner-occupied.
Most homes in Willis - 91% - 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.
What's the biggest home insurance risk near Willis? 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.
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 | $50,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 10% |
| 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)