Home Insurance in Troy, Kansas
The median home value in Troy is $108,100, 20% lower than the Doniphan County median.
The typical home in Troy was built around 1946. About 62% of homes were built before 1960, about 21 points above Doniphan County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Troy is 83% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Troy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Troy has an owner-occupancy rate of 77% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Troy - 72% - are primarily heated with natural gas.
FEMA rates Doniphan County's overall risk as Very Low, led by tornado (Relatively Low). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $108,100 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)