Home Insurance in Latham, Kansas
The median home value in Latham is $38,900, 82% lower than the Butler County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Latham was built around 1973. About 30% of homes were built before 1960, about 3 points above Butler County's 27%.
In Latham, the housing stock is 32% single-family homes, 62% 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.
9% of owner-occupied homes in Latham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Latham has an owner-occupancy rate of 27% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Latham, 77% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Latham? 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 | $38,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 27% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)