Home Insurance in West Mineral, Kansas
Homes in West Mineral carry a median value of $42,900 - 57% lower than the Cherokee County median.
The typical home in West Mineral was built around 1973. About 44% of homes were built before 1960, about 1 point below Cherokee County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in West Mineral is 64% single-family homes, 6% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
In West Mineral, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
West Mineral has an owner-occupancy rate of 76% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in West Mineral - 54% - are primarily heated with natural gas.
Cherokee County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). 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 | $42,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)