Home Insurance in Chautauqua, Kansas
Homes in Chautauqua carry a median value of $57,500 - 12% lower than the Chautauqua County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Chautauqua was built around 1955. About 52% of homes were built before 1960, about 3 points above Chautauqua County's 49%.
The housing stock in Chautauqua is 67% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Chautauqua carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Chautauqua has an owner-occupancy rate of 100% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Chautauqua, 83% of homes are primarily heated with natural gas.
Chautauqua County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Chautauqua County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $57,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)