Home Insurance in Bogue, Kansas
With a median home value of $77,700, Bogue is 14% lower than the Graham County median.
The typical home in Bogue was built around 1951. About 62% of homes were built before 1960, about 6 points above Graham County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Bogue is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bogue, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Bogue are owner-occupied.
In Bogue, 81% of homes are primarily heated with natural gas.
Graham County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Low). See the full Graham 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 | $77,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hail (Relatively Low) |
| 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)