Home Insurance in Douglas County, Kansas
With a median home value of $309,400, Douglas County is 42% higher than the Kansas median.
The typical home in Douglas County was built around 1988. About 18% of homes were built before 1960, about 14 points below Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Douglas County is 62% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Douglas County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 50% of occupied homes in Douglas County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Douglas County - 59% - are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Very High), tornado (Relatively High) and hail (Relatively Moderate) as the leading hazards for Douglas County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Douglas County has 295 active NFIP flood policies on file.
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 | $309,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 295 |
| 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)