Home Insurance in Kanopolis, Kansas
Homes in Kanopolis carry a median value of $99,600 - 13% lower 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 Kanopolis was built around 1951. About 60% of homes were built before 1960, about 9 points above Ellsworth County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kanopolis is 88% single-family homes and 8% mobile or manufactured homes.
About 52% of owner-occupied homes in Kanopolis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Kanopolis are owner-occupied.
Most homes in Kanopolis - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kanopolis? FEMA's National Risk Index points to wildfire (Relatively Low) in Ellsworth County and 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.
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 | $99,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)