Home Insurance in Kinsley, Kansas
The median home value in Kinsley is $68,200, close to the Edwards County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kinsley was built around 1949. About 74% of homes were built before 1960, about 5 points above Edwards County's 69%.
In Kinsley, the housing stock is 96% single-family homes and 3% apartments in buildings with 5+ units.
29% of owner-occupied homes in Kinsley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Kinsley are owner-occupied.
In Kinsley, 72% of homes are primarily heated with natural gas.
Edwards County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Edwards County had 50 active NFIP flood policies as of September 2026. See the full Edwards County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $68,200 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Edwards County | 50 |
| 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)