Home Insurance in Bird City, Kansas
The median home value in Bird City is $102,700, 18% lower than the Cheyenne County median.
The typical home in Bird City was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 66% of homes were built before 1960, about 7 points above Cheyenne County's 60%.
The housing stock in Bird City is 91% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 42% of owner-occupied homes in Bird City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Bird City are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Bird City are primarily heated with natural gas.
Cheyenne County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Cheyenne County had 13 active NFIP flood policies as of September 2026. See the full Cheyenne 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 | $102,700 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cheyenne County | 13 |
| 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)