Home Insurance in Clark County, Kansas
With a median home value of $87,600, Clark County is 60% lower than the Kansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clark County was built around 1946. About 67% of homes were built before 1960, about 35 points above Kansas's 32%.
Housing in Clark County breaks down to 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
40% of owner-occupied homes in Clark County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clark County has an owner-occupancy rate of 74% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
72% of homes in Clark County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Clark County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Clark County has no active NFIP flood policies on file.
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 | $87,600 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)