Home Insurance in Hamilton, Kansas
The median home value in Hamilton is $19,800, 78% lower than the Greenwood County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Hamilton was built in 1939 or earlier. About 70% of homes were built before 1960, about 16 points above Greenwood County's 54%.
The housing stock in Hamilton is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hamilton, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hamilton has an owner-occupancy rate of 82% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Hamilton - 74% - 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.
Greenwood County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Greenwood County had 3 active NFIP flood policies as of September 2026. See the full Greenwood 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 | $19,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Greenwood County | 3 |
| 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)