Home Insurance in Cowley County, Kansas
With a median home value of $120,900, Cowley County is 44% lower than the Kansas median.
The typical home in Cowley County was built around 1961. About 49% of homes were built before 1960, about 17 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cowley County, the housing stock is 76% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Cowley County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Cowley County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Cowley County - 60% - are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Moderate), tornado (Relatively High) and strong wind (Relatively Moderate) as the leading hazards for Cowley County.
Cowley County had 57 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $120,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively High), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 57 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Burden
- Median home value: $58,600
- Median year built: 1948
- Owner-occupied share: 78%
-
Udall
- Median home value: $96,100
- Median year built: 1962
- Owner-occupied share: 55%
Sources
- 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)