Home Insurance in Girard, Kansas
With a median home value of $93,600, Girard is 29% lower than the Crawford County median.
The typical home in Girard was built around 1964. About 43% of homes were built before 1960, about 6 points above Crawford County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Girard breaks down to 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Girard, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Girard are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
83% of homes in Girard are primarily heated with natural gas.
What's the biggest home insurance risk near Girard? FEMA's National Risk Index points to strong wind (Relatively High) in Crawford County and 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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $93,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)