Home Insurance in Sublette, Kansas
With a median home value of $160,500, Sublette is close to the Haskell County median.
The typical home in Sublette was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 5 points below Haskell County's 26%.
In Sublette, the housing stock is 88% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Sublette have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Sublette are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sublette - 81% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sublette? FEMA's National Risk Index points to hail (Relatively Moderate) in Haskell County and Haskell County had 1 active NFIP flood policy as of September 2026. See the full Haskell 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 | $160,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Haskell County | 1 |
| 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)