Home Insurance in Denton, Kansas
The median home value in Denton is $111,500, 18% lower than the Doniphan County median.
The typical home in Denton was built around 1956. About 55% of homes were built before 1960, about 13 points above Doniphan County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Denton breaks down to 94% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 38% of owner-occupied homes in Denton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Denton has an owner-occupancy rate of 96% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Denton, 38% 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.
What's the biggest home insurance risk near Denton? FEMA's National Risk Index points to tornado (Relatively Low) in Doniphan County and Doniphan County had 86 active NFIP flood policies as of September 2026. See the full Doniphan 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 | $111,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Doniphan County | 86 |
| 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)