Home Insurance in Chapman, Kansas
With a median home value of $195,600, Chapman is 33% higher than the Dickinson County median.
The typical home in Chapman was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 17 points below Dickinson County's 56%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chapman is 81% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Chapman, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chapman has an owner-occupancy rate of 74% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Chapman, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Chapman? FEMA's National Risk Index points to wildfire (Relatively Low) in Dickinson County and 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.
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 | $195,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)