Home Insurance in Decatur County, Kansas
Homes in Decatur County carry a median value of $89,500 - 59% lower than the Kansas median.
The typical home in Decatur County was built around 1953. About 59% of homes were built before 1960, about 27 points above Kansas's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Decatur County breaks down to 94% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Decatur County, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Decatur County has an owner-occupancy rate of 78% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Decatur County - 67% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Decatur County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Decatur County has 1 active NFIP flood policy on file.
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 | $89,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)