Home Insurance in Halstead, Kansas
Homes in Halstead carry a median value of $163,000 - 10% lower than the Harvey County median.
The typical home in Halstead was built around 1967. About 37% of homes were built before 1960, in line with Harvey County (38%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Halstead, the housing stock is 88% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Halstead carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Halstead has an owner-occupancy rate of 77% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Halstead - 76% - are primarily heated with natural gas.
FEMA rates Harvey County's overall risk as Very Low, led by winter weather (Relatively Moderate). Harvey County had 151 active NFIP flood policies as of September 2026. See the full Harvey County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $163,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Harvey County | 151 |
| 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)