Home Insurance in Gove County, Kansas
With a median home value of $118,400, Gove County is 45% lower than the Kansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gove County was built around 1958. About 54% of homes were built before 1960, about 21 points above Kansas's 32%.
In Gove County, the housing stock is 90% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Gove County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gove County has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Gove County - 54% - 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.
The top hazards for Gove County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Very Low) and winter weather (Relatively Low).
Gove County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $118,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)