Home Insurance in Frontenac, Kansas
With a median home value of $165,600, Frontenac is 25% higher than the Crawford County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Frontenac was built around 1979. About 22% of homes were built before 1960, about 15 points below Crawford County's 37%.
The housing stock in Frontenac is 81% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Frontenac carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Frontenac are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Frontenac - 75% - are primarily heated with natural gas.
Crawford County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Crawford County had 75 active NFIP flood policies as of September 2026. See the full Crawford 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 | $165,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Crawford County | 75 |
| 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)