Home Insurance in Cedar Point, Kansas
The typical home in Cedar Point was built around 1953. About 76% of homes were built before 1960, about 23 points above Chase County's 53%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Cedar Point breaks down to 100% single-family homes.
Almost no owner-occupied homes in Cedar Point carry a mortgage.
All occupied homes in Cedar Point are owner-occupied. The vacancy rate is 59%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Cedar Point are primarily heated with propane. Homes heated with propane and wood 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 Cedar Point? FEMA's National Risk Index points to wildfire (Relatively Low) in Chase County and Chase County had 17 active NFIP flood policies as of September 2026. See the full Chase 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 year built | 1953 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Chase County | 17 |
| 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)