Home Insurance in Dickinson County, Kansas
Homes in Dickinson County carry a median value of $146,800 - 32% lower than the Kansas median.
The typical home in Dickinson County was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 24 points above Kansas's 32%.
In Dickinson County, the housing stock is 89% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
51% of owner-occupied homes in Dickinson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Dickinson County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dickinson County - 64% - are primarily heated with natural gas.
The top hazards for Dickinson County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Moderate) and hail (Relatively Moderate).
As of September 2026, Dickinson County has 67 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $146,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Carlton
- Median year built: 1939 or earlier
- Owner-occupied share: 85%
- Share of owner-occupied homes with a mortgage: 0%
-
Manchester
- Median year built: 1939 or earlier
- Owner-occupied share: 87%
- Share of owner-occupied homes with a mortgage: 15%
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)