Home Insurance in Chase County, Kansas
The median home value in Chase County is $109,700, 49% lower than the Kansas median.
The typical home in Chase County was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 21 points above Kansas's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chase County is 87% single-family homes and 8% mobile or manufactured homes.
32% of owner-occupied homes in Chase County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Chase County has an owner-occupancy rate of 73% and a vacancy rate of 17%; 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 Chase County, 47% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Chase County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
Chase County had 17 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $109,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)