Home Insurance in Andover, Kansas
With a median home value of $291,400, Andover is 34% higher than the Butler County median.
The typical home in Andover was built around 2002. About 4% of homes were built before 1960, about 23 points below Butler County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Andover, the housing stock is 85% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Andover, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Andover has an owner-occupancy rate of 81% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
66% of homes in Andover are primarily heated with natural gas.
FEMA rates Butler County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Butler County had 181 active NFIP flood policies as of September 2026. See the full Butler 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 | $291,400 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Butler County | 181 |
| 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)