Home Insurance in Victoria, Kansas
Homes in Victoria carry a median value of $174,200 - 19% lower than the Ellis County median.
The typical home in Victoria was built around 1970. About 27% of homes were built before 1960, about 4 points below Ellis County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Victoria is 93% single-family homes.
66% of owner-occupied homes in Victoria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Victoria are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Victoria, 85% of homes are primarily heated with natural gas.
FEMA rates Ellis County's overall risk as Very Low, led by hail (Relatively Moderate). 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 | $174,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)