Home Insurance in Waldron, Kansas
The typical home in Waldron was built around 1946. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 13 points above Harper County's 58%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waldron is 93% single-family homes and 7% mobile or manufactured homes.
In Waldron, about 100% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 71%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Waldron are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Waldron - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Waldron? FEMA's National Risk Index points to hail (Relatively Moderate) in Harper County and Harper County had 15 active NFIP flood policies as of September 2026. See the full Harper 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 year built | 1946 |
|---|---|
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 100% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Harper County | 15 |
| 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)