Home Insurance in Highland, Kansas
The median home value in Highland is $114,400, 15% lower than the Doniphan County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Highland was built around 1949. About 55% of homes were built before 1960, about 14 points above Doniphan County's 42%.
Housing in Highland breaks down to 79% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
30% of owner-occupied homes in Highland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Highland are owner-occupied.
71% of homes in Highland are primarily heated with natural gas.
What's the biggest home insurance risk near Highland? 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.
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 | $114,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)