Home Insurance in Arkansas City, Kansas
With a median home value of $86,800, Arkansas City is 28% lower than the Cowley County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arkansas City was built around 1953. About 63% of homes were built before 1960, about 14 points above Cowley County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arkansas City is 72% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Arkansas City, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arkansas City has an owner-occupancy rate of 57% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Arkansas City - 64% - are primarily heated with natural gas.
Cowley County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Cowley County had 57 active NFIP flood policies as of September 2026. See the full Cowley 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 | $86,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Cowley County | 57 |
| 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)