Home Insurance in Hays, Kansas
Homes in Hays carry a median value of $225,500 - close to the Ellis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hays was built around 1973. About 29% of homes were built before 1960, about 2 points below Ellis County's 31%.
In Hays, the housing stock is 70% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Hays carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hays has an owner-occupancy rate of 58% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Hays - 67% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hays? FEMA's National Risk Index points to hail (Relatively Moderate) in Ellis County and Ellis County had 133 active NFIP flood policies as of September 2026. See the full Ellis 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 | $225,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ellis County | 133 |
| 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)