Home Insurance in Ensign, Kansas
Homes in Ensign carry a median value of $88,500 - 57% lower than the Gray County median.
The typical home in Ensign was built around 1966. About 29% of homes were built before 1960, about 1 point below Gray County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ensign, the housing stock 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.
About 35% of owner-occupied homes in Ensign have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ensign has an owner-occupancy rate of 91% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
87% of homes in Ensign 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.
What's the biggest home insurance risk near Ensign? FEMA's National Risk Index points to hail (Relatively High) in Gray County and 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.
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 | $88,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)