Home Insurance in Hodgeman County, Kansas
With a median home value of $101,600, Hodgeman County is 53% lower than the Kansas median.
The typical home in Hodgeman County was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 21 points above Kansas's 32%.
In Hodgeman County, the housing stock is 91% 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.
About 23% of owner-occupied homes in Hodgeman County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hodgeman County has an owner-occupancy rate of 79% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
41% of homes in Hodgeman County are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Hodgeman County's top hazards are hail (Relatively Moderate), wildfire (Very Low) and tornado (Very Low).
Hodgeman County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $101,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Very Low), Tornado (Very Low) |
| 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)