Home Insurance in Franklin County, Kansas
With a median home value of $198,700, Franklin County is 9% lower than the Kansas median.
The typical home in Franklin County was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 1 point above Kansas's 32%.
In Franklin County, the housing stock is 77% single-family homes, 6% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Franklin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Franklin County has an owner-occupancy rate of 72% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Franklin County, 50% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Franklin County's top hazards are winter weather (Relatively Moderate), hail (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Franklin County has 34 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 | $198,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 34 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Ottawa
- Median home value: $166,500
- Median year built: 1967
- Owner-occupied share: 60%
-
Pomona
- Median home value: $145,800
- Median year built: 1972
- Owner-occupied share: 78%
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)