Home Insurance in Baldwin City, Kansas
The median home value in Baldwin City is $249,500, 19% lower than the Douglas County median.
The typical home in Baldwin City was built around 1993. About 26% of homes were built before 1960, about 8 points above Douglas County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Baldwin City breaks down to 78% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Baldwin City, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Baldwin City are owner-occupied.
67% of homes in Baldwin City are primarily heated with natural gas.
Douglas County had 295 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Douglas 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 | $249,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Douglas County | 295 |
| 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)