Home Insurance in Baxter Springs, Kansas
Homes in Baxter Springs carry a median value of $92,900 - 7% lower than the Cherokee County median.
The typical home in Baxter Springs was built around 1945. About 60% of homes were built before 1960, about 15 points above Cherokee County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Baxter Springs, the housing stock is 90% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Baxter Springs, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Baxter Springs are owner-occupied.
In Baxter Springs, 68% of homes are primarily heated with natural gas.
FEMA rates Cherokee County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Cherokee County had 43 active NFIP flood policies as of September 2026. See the full Cherokee 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 | $92,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cherokee County | 43 |
| 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)