HomeInsuranceQts

Home Insurance in Coldwater, Kansas

The median home value in Coldwater is $85,600, 23% higher than the Comanche County median.

The typical home in Coldwater was built around 1945. About 70% of homes were built before 1960, about 5 points above Comanche County's 64%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Coldwater is 90% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

About 26% of owner-occupied homes in Coldwater have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Coldwater are owner-occupied.

81% of homes in Coldwater are primarily heated with natural gas.

FEMA rates Comanche County's overall risk as Very Low, led by wildfire (Relatively Moderate). Comanche County had 1 active NFIP flood policy as of September 2026. See the full Comanche 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$85,600
Median year built1945
Owner-occupied share68%
Share of owner-occupied homes with a mortgage26%
Top county hazardWildfire (Relatively Moderate)
Active NFIP policies in Comanche County1
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Coldwater, KS

Nearby towns

Sources

Data last updated: 2026-09-29