Home Insurance in Oak Hill, Kansas
The median home in Oak Hill was built in 1939 or earlier. About 100% of homes were built before 1960, about 52 points above Clay County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Oak Hill is 100% single-family homes.
45% of owner-occupied homes in Oak Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Oak Hill are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Oak Hill, 45% of homes are primarily heated with electricity.
Clay County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Clay County had 40 active NFIP flood policies as of September 2026. See the full Clay 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clay County | 40 |
| 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)