Home Insurance in Eudora, Kansas
With a median home value of $280,100, Eudora is 9% lower than the Douglas County median.
The typical home in Eudora was built around 1996. About 23% of homes were built before 1960, about 5 points above Douglas County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Eudora, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Eudora, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Eudora are owner-occupied.
In Eudora, 80% of homes are primarily heated with natural gas.
FEMA rates Douglas County's overall risk as Relatively Low, led by winter weather (Very High). Douglas County had 295 active NFIP flood policies as of September 2026. See the full Douglas 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 | $280,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)