Home Insurance in Williamsburg, Kansas
With a median home value of $105,700, Williamsburg is 47% lower than the Franklin County median.
The typical home in Williamsburg was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 15 points above Franklin County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Williamsburg is 78% single-family homes and 19% mobile or manufactured homes.
In Williamsburg, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Williamsburg has an owner-occupancy rate of 77% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Williamsburg, 76% of homes are primarily heated with natural gas.
Franklin County had 34 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Franklin 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 | $105,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Franklin County | 34 |
| 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)