Home Insurance in Lewis, Kansas
With a median home value of $52,200, Lewis is 26% lower than 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 Lewis was built around 1959. About 52% of homes were built before 1960, about 17 points below Edwards County's 69%.
The housing stock in Lewis is 83% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Lewis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lewis has an owner-occupancy rate of 86% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lewis, 68% of homes are primarily heated with natural gas.
FEMA rates Edwards County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $52,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)