Home Insurance in Geary County, Kansas
The median home value in Geary County is $172,700, 20% lower than the Kansas median.
The typical home in Geary County was built around 1987. About 22% of homes were built before 1960, about 10 points below Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Geary County is 65% single-family homes, 17% apartments in buildings with 5+ units 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.
62% of owner-occupied homes in Geary County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 44% of occupied homes in Geary County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Geary County are primarily heated with natural gas.
The top hazards for Geary County, per FEMA's National Risk Index, are winter weather (Relatively High), wildfire (Relatively Low) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Geary County has 66 active NFIP flood policies on file.
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 | $172,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 66 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)