Home Insurance in Cambridge, Kansas
With a median home value of $47,500, Cambridge is 61% lower than the Cowley County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cambridge was built around 1954. About 62% of homes were built before 1960, about 13 points above Cowley County's 49%.
Housing in Cambridge breaks down to 98% single-family homes and 2% mobile or manufactured homes.
About 23% of owner-occupied homes in Cambridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Cambridge are owner-occupied. The vacancy rate is 51%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cambridge, 85% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $47,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)