Home Insurance in Finney County, Kansas
With a median home value of $201,400, Finney County is 7% lower than the Kansas median.
The typical home in Finney County was built around 1978. About 21% of homes were built before 1960, about 11 points below Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Finney County, the housing stock is 64% single-family homes, 11% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Finney County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Finney County are owner-occupied.
In Finney County, 73% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively High), winter weather (Relatively High) and strong wind (Relatively Moderate) as the leading hazards for Finney County.
As of September 2026, Finney County has 27 active NFIP flood insurance policies. 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 | $201,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively High), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 27 |
| 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)