Home Insurance in Cedar Vale, Kansas
With a median home value of $36,400, Cedar Vale is 44% lower than the Chautauqua County median.
The typical home in Cedar Vale was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 8 points above Chautauqua County's 49%.
The housing stock in Cedar Vale is 82% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
15% of owner-occupied homes in Cedar Vale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cedar Vale has an owner-occupancy rate of 70% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
Most homes in Cedar Vale - 75% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Chautauqua County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Chautauqua County has no active NFIP flood policies on file. See the full Chautauqua 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 | $36,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Wildfire (Relatively Moderate) |
| 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)