Home Insurance in Jennings, Kansas
The median home value in Jennings is $41,200, 54% lower than the Decatur County median.
The median home in Jennings was built in 1939 or earlier. About 67% of homes were built before 1960, about 8 points above Decatur County's 59%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jennings is 88% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
29% of owner-occupied homes in Jennings carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Jennings are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jennings - 67% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Decatur County's overall risk as Very Low, led by hail (Relatively Moderate). Decatur County had 1 active NFIP flood policy as of September 2026. See the full Decatur 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 | $41,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Decatur County | 1 |
| 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)