Home Insurance in Clyde, Kansas
Homes in Clyde carry a median value of $70,000 - 30% lower than the Cloud County median.
The median home in Clyde was built in 1939 or earlier. About 74% of homes were built before 1960, about 16 points above Cloud County's 58%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Clyde is 92% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
36% of owner-occupied homes in Clyde carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Clyde are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clyde - 91% - are primarily heated with natural gas.
What's the biggest home insurance risk near Clyde? FEMA's National Risk Index points to hail (Relatively Moderate) in Cloud County and Cloud County had 19 active NFIP flood policies as of September 2026. See the full Cloud 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 | $70,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cloud County | 19 |
| 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)