Home Insurance in Ashland, Kansas
Homes in Ashland carry a median value of $70,300 - 20% lower than the Clark County median.
The typical home in Ashland was built around 1946. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 75% of homes were built before 1960, about 8 points above Clark County's 67%.
Housing in Ashland breaks down to 92% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Ashland, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ashland has an owner-occupancy rate of 78% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
85% of homes in Ashland are primarily heated with natural gas.
Clark County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Clark 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 | $70,300 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)