Home Insurance in Milford, Kansas
Homes in Milford carry a median value of $172,500 - close to the Geary County median.
The typical home in Milford was built around 1977. About 17% of homes were built before 1960, about 6 points below Geary County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Milford is 71% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Milford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Milford has an owner-occupancy rate of 59% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
70% of homes in Milford are primarily heated with natural gas.
Geary County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Geary County had 66 active NFIP flood policies as of September 2026. See the full Geary 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 | $172,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Geary County | 66 |
| 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)