Home Insurance in Harvey County, Kansas
The median home value in Harvey County is $180,300, 17% lower than the Kansas median.
The typical home in Harvey County was built around 1970. About 38% of homes were built before 1960, about 6 points above Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Harvey County, the housing stock is 84% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
54% of owner-occupied homes in Harvey County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Harvey County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Harvey County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively Moderate), tornado (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Harvey County.
As of September 2026, Harvey County has 151 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $180,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Tornado (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 151 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)