Home Insurance in Wilmore, Kansas
With a median home value of $70,000, Wilmore is close to the Comanche County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Wilmore was built in 1939 or earlier. About 71% of homes were built before 1960, about 7 points above Comanche County's 64%.
In Wilmore, the housing stock is 100% single-family homes.
In Wilmore, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Wilmore are owner-occupied. The vacancy rate is 54%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wilmore - 85% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Comanche County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Comanche 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 | 92% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Comanche County | 1 |
| 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)