Home Insurance in Ellsworth, Kansas
Homes in Ellsworth carry a median value of $157,600 - 37% higher than the Ellsworth 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 Ellsworth was built around 1960. About 49% of homes were built before 1960, about 2 points below Ellsworth County's 51%.
The housing stock in Ellsworth is 88% single-family homes and 6% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Ellsworth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ellsworth has an owner-occupancy rate of 73% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Ellsworth - 74% - are primarily heated with natural gas.
FEMA rates Ellsworth County's overall risk as Very Low, led by wildfire (Relatively Low). Ellsworth County had 24 active NFIP flood policies as of September 2026. See the full Ellsworth County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $157,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Ellsworth County | 24 |
| 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)