Home Insurance in North Newton, Kansas
The median home value in North Newton is $217,800, 21% higher than the Harvey County median.
The typical home in North Newton was built around 1986. About 19% of homes were built before 1960, about 19 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 North Newton breaks down to 77% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in North Newton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in North Newton are owner-occupied.
67% of homes in North Newton are primarily heated with natural gas.
What's the biggest home insurance risk near North Newton? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Harvey County and 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.
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 | $217,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)