Home Insurance in Holton, Kansas
Homes in Holton carry a median value of $142,800 - 31% lower than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Holton was built around 1963. About 46% of homes were built before 1960, about 14 points above Jackson County's 32%.
In Holton, the housing stock is 71% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Holton, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Holton are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Holton - 70% - are primarily heated with natural gas.
What's the biggest home insurance risk near Holton? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Jackson County and Jackson County had 12 active NFIP flood policies as of September 2026. See the full Jackson 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 | $142,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Jackson County | 12 |
| 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)