Home Insurance in Scammon, Kansas
With a median home value of $69,500, Scammon is 31% lower than the Cherokee County median.
The typical home in Scammon was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 4 points above Cherokee County's 45%.
In Scammon, the housing stock is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Scammon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Scammon are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Scammon 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.
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 | $69,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)