Home Insurance in Enterprise, Kansas
With a median home value of $93,600, Enterprise is 36% lower than the Dickinson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Enterprise was built around 1947. About 66% of homes were built before 1960, about 10 points above Dickinson County's 56%.
In Enterprise, the housing stock is 93% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 55% of owner-occupied homes in Enterprise have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Enterprise are owner-occupied.
Most homes in Enterprise - 86% - are primarily heated with natural gas.
Dickinson County had 67 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Dickinson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $93,600 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)