Home Insurance in Sedan, Kansas
Homes in Sedan carry a median value of $41,200 - 37% lower than the Chautauqua County median.
The typical home in Sedan was built around 1955. About 55% of homes were built before 1960, about 5 points above Chautauqua County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Sedan, the housing stock is 85% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sedan, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sedan has an owner-occupancy rate of 70% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Sedan, 73% of homes 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.
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 | $41,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 70% |
| 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)