Home Insurance in Wilson, Kansas
The median home value in Wilson is $75,700, 34% lower than the Ellsworth County median.
The median home in Wilson was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 22 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 Wilson is 83% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 49% of owner-occupied homes in Wilson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Wilson are owner-occupied.
In Wilson, 85% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Wilson? 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.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $75,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)