Home Insurance in Waverly, Kansas
Homes in Waverly carry a median value of $102,400 - 35% lower than the Coffey County median.
The median home in Waverly was built in 1939 or earlier. About 59% of homes were built before 1960, about 18 points above Coffey County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Waverly, the housing stock is 91% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Waverly have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waverly has an owner-occupancy rate of 75% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Waverly - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Waverly? FEMA's National Risk Index points to wildfire (Relatively Low) in Coffey County and Coffey County had 11 active NFIP flood policies as of September 2026. See the full Coffey 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 | $102,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Coffey County | 11 |
| 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)