Home Insurance in Spearville, Kansas
Homes in Spearville carry a median value of $206,700 - 37% higher 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 Spearville was built around 1960. About 50% of homes were built before 1960, about 15 points above Ford County's 35%.
The housing stock in Spearville is 83% single-family homes and 16% apartments in buildings with 5+ units.
53% of owner-occupied homes in Spearville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Spearville has an owner-occupancy rate of 80% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Spearville - 72% - are primarily heated with natural gas.
Ford County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Ford County had 52 active NFIP flood policies as of September 2026. See the full Ford 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 | $206,700 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)