Home Insurance in Hanston, Kansas
Homes in Hanston carry a median value of $93,200 - 8% lower than the Hodgeman County median.
The typical home in Hanston was built around 1947. About 61% of homes were built before 1960, about 7 points above Hodgeman County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hanston is 100% single-family homes.
In Hanston, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Hanston are owner-occupied.
Most homes in Hanston - 54% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Hodgeman County's overall risk as Very Low, led by hail (Relatively Moderate). Hodgeman County has no active NFIP flood policies on file. See the full Hodgeman 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 | $93,200 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)