Home Insurance in Jamestown, Kansas
The median home value in Jamestown is $55,000, 45% lower than the Cloud County median.
The median home in Jamestown was built in 1939 or earlier. About 76% of homes were built before 1960, about 18 points above Cloud County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Jamestown breaks down to 84% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Jamestown, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Jamestown are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jamestown - 97% - are primarily heated with natural gas.
Cloud County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Cloud County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $55,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)