Home Insurance in Greenwood County, Kansas
Homes in Greenwood County carry a median value of $88,700 - 59% lower than the Kansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Greenwood County was built around 1956. About 54% of homes were built before 1960, about 22 points above Kansas's 32%.
In Greenwood County, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greenwood County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greenwood County has an owner-occupancy rate of 80% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Greenwood County are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Moderate), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Greenwood County.
Greenwood County had 3 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $88,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)