Home Insurance in Doniphan County, Kansas
The median home value in Doniphan County is $135,200, 38% lower than the Kansas median.
The typical home in Doniphan County was built around 1970. About 42% of homes were built before 1960, about 9 points above Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Doniphan County is 80% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Doniphan County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Doniphan County has an owner-occupancy rate of 81% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Doniphan County are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively Low), hail (Relatively Low) and wildfire (Very Low) as the leading hazards for Doniphan County.
As of September 2026, Doniphan County has 86 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $135,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 86 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)