Home Insurance in Woodbine, Kansas
The median home value in Woodbine is $90,000, 39% 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 median home in Woodbine was built in 1939 or earlier. About 73% of homes were built before 1960, about 17 points above Dickinson County's 56%.
The housing stock in Woodbine is 100% single-family homes.
About 64% of owner-occupied homes in Woodbine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Woodbine has an owner-occupancy rate of 63% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Woodbine, 49% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Dickinson County's overall risk as Relatively Low, led by wildfire (Relatively Low). 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 | $90,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)