Home Insurance in Cherokee County, Kansas
With a median home value of $100,100, Cherokee County is 54% lower than the Kansas median.
The typical home in Cherokee County was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 13 points above Kansas's 32%.
The housing stock in Cherokee County is 83% single-family homes, 2% 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.
In Cherokee County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Cherokee County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Cherokee County are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Cherokee County.
As of September 2026, Cherokee County has 43 active NFIP flood insurance policies. 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 | $100,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 43 |
| 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)