Home Insurance in Garden City, Kansas
With a median home value of $192,000, Garden City is close to the Finney 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 Garden City was built around 1977. About 23% of homes were built before 1960, about 2 points above Finney County's 21%.
In Garden City, the housing stock is 63% single-family homes, 14% apartments in buildings with 5+ units and 8% 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.
54% of owner-occupied homes in Garden City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Garden City are owner-occupied.
In Garden City, 74% of homes are primarily heated with natural gas.
Finney County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Finney County had 27 active NFIP flood policies as of September 2026. See the full Finney 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 | $192,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Finney County | 27 |
| 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)