Home Insurance in Syracuse, Kansas
With a median home value of $120,800, Syracuse is close to the Hamilton County median.
The typical home in Syracuse was built around 1966. About 38% of homes were built before 1960, about 4 points above Hamilton County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Syracuse, the housing stock is 74% single-family homes, 4% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Syracuse have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Syracuse has an owner-occupancy rate of 78% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Syracuse - 78% - 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.
Hamilton County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $120,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)