HomeInsuranceQts

Home Insurance in Montezuma, Kansas

Homes in Montezuma carry a median value of $152,200 - 26% lower than the Gray County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Montezuma was built around 1981. About 29% of homes were built before 1960, about 1 point below Gray County's 30%.

The housing stock in Montezuma is 78% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 33% of owner-occupied homes in Montezuma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Montezuma has an owner-occupancy rate of 77% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

In Montezuma, 82% of homes are primarily heated with natural gas.

Gray County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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$152,200
Median year built1981
Owner-occupied share77%
Share of owner-occupied homes with a mortgage33%
Top county hazardHail (Relatively High)
Active NFIP policies in Gray County2
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Montezuma, KS

Nearby towns

Sources

Data last updated: 2026-09-29