Home Insurance in Abilene, Kansas
The median home value in Abilene is $131,500, 10% lower than the Dickinson County median.
The typical home in Abilene was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 7 points above Dickinson County's 56%.
Housing in Abilene breaks down to 86% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 42% of owner-occupied homes in Abilene have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Abilene has an owner-occupancy rate of 74% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Abilene - 80% - are primarily heated with natural gas.
Dickinson County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Dickinson County had 67 active NFIP flood policies as of September 2026. See the full Dickinson 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 | $131,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Dickinson County | 67 |
| 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)