Home Insurance in Cimarron, Kansas
The median home value in Cimarron is $202,600, close to the Gray County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cimarron was built around 1973. About 29% of homes were built before 1960, about 2 points below Gray County's 30%.
In Cimarron, the housing stock is 81% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
62% of owner-occupied homes in Cimarron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cimarron has an owner-occupancy rate of 67% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
97% of homes in Cimarron are primarily heated with natural gas.
Gray County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Gray County had 2 active NFIP flood policies as of September 2026. See the full Gray 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 | $202,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Gray County | 2 |
| 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)