Home Insurance in El Dorado, Kansas
The median home value in El Dorado is $120,300, 45% lower than the Butler County median.
The typical home in El Dorado was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 25 points above Butler County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in El Dorado is 77% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
59% of owner-occupied homes in El Dorado carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in El Dorado are owner-occupied.
In El Dorado, 69% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near El Dorado? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Butler County and 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 | $120,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)