Home Insurance in Hope, Kansas
The median home value in Hope is $100,000, 32% lower than the Dickinson County median.
The typical home in Hope was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, in line with Dickinson County (56%).
In Hope, the housing stock is 84% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
32% of owner-occupied homes in Hope carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hope has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Hope - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hope? 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.
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 | $100,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)