Home Insurance in Ellsworth County, Kansas
Homes in Ellsworth County carry a median value of $114,900 - 47% lower than the Kansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ellsworth County was built around 1958. About 51% of homes were built before 1960, about 19 points above Kansas's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ellsworth County is 85% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
49% of owner-occupied homes in Ellsworth County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Ellsworth County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Ellsworth County are primarily heated with natural gas.
Per FEMA's National Risk Index, Ellsworth County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
Ellsworth County had 24 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $114,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 24 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)