Home Insurance in Columbus, Kansas
The median home value in Columbus is $94,100, 6% lower than the Cherokee County median.
The typical home in Columbus was built around 1961. About 49% of homes were built before 1960, about 4 points above Cherokee County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Columbus is 76% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Columbus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Columbus has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Columbus - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Columbus? FEMA's National Risk Index points to tornado (Relatively Moderate) in Cherokee County and 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.
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 | $94,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)