Home Insurance in Hill City, Kansas
Homes in Hill City carry a median value of $92,800 - close to the Graham County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hill City was built around 1958. About 55% of homes were built before 1960, about 1 point below Graham County's 56%.
In Hill City, the housing stock is 86% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 46% of owner-occupied homes in Hill City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hill City has an owner-occupancy rate of 69% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Hill City, 82% of homes are primarily heated with natural gas.
Graham County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Graham County has no active NFIP flood policies on file. See the full Graham 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 | $92,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)