Home Insurance in Niotaze, Kansas
Homes in Niotaze carry a median value of $154,900 - 136% higher than the Chautauqua County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Niotaze was built around 1990. About 17% of homes were built before 1960, about 33 points below Chautauqua County's 49%.
The housing stock in Niotaze is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Niotaze have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Niotaze are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Niotaze - 90% - 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.
FEMA rates Chautauqua County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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.
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 | $154,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)