Home Insurance in Parkerfield, Kansas
Homes in Parkerfield carry a median value of $221,400 - 83% higher than the Cowley County median.
The typical home in Parkerfield was built around 1986. About 5% of homes were built before 1960, about 44 points below Cowley County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Parkerfield is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Parkerfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Parkerfield are owner-occupied.
50% of homes in Parkerfield are primarily heated with natural gas.
FEMA rates Cowley County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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 | $221,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)