Home Insurance in Chautauqua County, Kansas
The median home value in Chautauqua County is $65,500, 70% lower than the Kansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Chautauqua County was built around 1961. About 49% of homes were built before 1960, about 17 points above Kansas's 32%.
In Chautauqua County, the housing stock is 81% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Chautauqua County, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chautauqua County has an owner-occupancy rate of 82% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Chautauqua County - 53% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Moderate), tornado (Relatively Low) and hail (Relatively Low) as the leading hazards for Chautauqua County.
Chautauqua County has no active NFIP flood policies on file. 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 | $65,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively Low), Hail (Relatively Low) |
| 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)