Home Insurance in Severy, Kansas
The median home value in Severy is $29,700, 67% lower than the Greenwood County median.
The median home in Severy was built in 1939 or earlier. About 67% of homes were built before 1960, about 12 points above Greenwood County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Severy is 79% single-family homes and 21% mobile or manufactured homes.
About 20% of owner-occupied homes in Severy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Severy has an owner-occupancy rate of 95% and a vacancy rate of 30%; 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. In Severy, 42% of homes are primarily heated with natural gas.
FEMA rates Greenwood County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $29,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)