Home Insurance in Coolidge, Kansas
The median home value in Coolidge is $46,000, 60% lower than the Hamilton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coolidge was built around 1949. About 52% of homes were built before 1960, about 19 points above Hamilton County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coolidge is 61% single-family homes and 39% mobile or manufactured homes.
In Coolidge, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Coolidge are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Coolidge - 62% - are primarily heated with propane.
FEMA rates Hamilton County's overall risk as Very Low, led by hail (Relatively Moderate). Hamilton County had 6 active NFIP flood policies as of September 2026. See the full Hamilton 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 | $46,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hamilton County | 6 |
| 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)