Home Insurance in Hesston, Kansas
Homes in Hesston carry a median value of $204,800 - 14% higher than the Harvey County median.
The typical home in Hesston was built around 1984. About 14% of homes were built before 1960, about 24 points below Harvey County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hesston breaks down to 67% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 46% of owner-occupied homes in Hesston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Hesston are owner-occupied.
Most homes in Hesston - 74% - are primarily heated with natural gas.
Harvey County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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.
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 home value | $204,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)