Home Insurance in Winfield, Kansas
With a median home value of $132,700, Winfield is 10% higher than the Cowley County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Winfield was built around 1959. About 52% of homes were built before 1960, about 2 points above Cowley County's 49%.
In Winfield, the housing stock is 76% single-family homes, 9% apartments in buildings with 5+ units 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 59% of owner-occupied homes in Winfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Winfield are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Winfield are primarily heated with natural gas.
Cowley County had 57 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $132,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)