Home Insurance in Ford, Kansas
Homes in Ford carry a median value of $132,500 - 12% lower than the Ford 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 Ford was built around 1951. About 68% of homes were built before 1960, about 33 points above Ford County's 35%.
In Ford, the housing stock is 76% single-family homes and 6% 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 27% of owner-occupied homes in Ford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Ford are owner-occupied.
Most homes in Ford - 79% - are primarily heated with natural gas.
Ford County had 52 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Ford 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 | $132,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Ford County | 52 |
| 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)