Home Insurance in Cottonwood Falls, Kansas
With a median home value of $85,100, Cottonwood Falls is 22% lower than the Chase County median.
The typical home in Cottonwood Falls was built around 1953. About 63% of homes were built before 1960, about 10 points above Chase County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cottonwood Falls is 90% single-family homes and 7% mobile or manufactured homes.
About 41% of owner-occupied homes in Cottonwood Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cottonwood Falls has an owner-occupancy rate of 84% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
80% of homes in Cottonwood Falls are primarily heated with natural gas.
What's the biggest home insurance risk near Cottonwood Falls? 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 home value | $85,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)