Home Insurance in Englewood, Kansas

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Englewood was built around 1942. About 61% of homes were built before 1960, about 7 points below Clark County's 67%.

The housing stock in Englewood 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.

In Englewood, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 90% of occupied homes in Englewood are owner-occupied. The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Englewood - 95% - 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.

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.

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

Nearby towns

• Ashland
• Meade
• Fowler
• Minneola
• Protection
• Plains
• Coldwater
• Bucklin

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)