Home Insurance in Grainfield, Kansas
The median home value in Grainfield is $86,700, 27% lower than the Gove County median.
The typical home in Grainfield was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 11 points below Gove County's 54%.
The housing stock in Grainfield is 93% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Grainfield, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grainfield has an owner-occupancy rate of 68% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
82% of homes in Grainfield are primarily heated with natural gas.
Gove County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Gove County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $86,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)