Home Insurance in Netawaka, Kansas
With a median home value of $104,200, Netawaka is 50% lower than the Jackson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Netawaka was built around 1970. About 41% of homes were built before 1960, about 9 points above Jackson County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Netawaka is 75% single-family homes and 25% mobile or manufactured homes.
In Netawaka, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Netawaka are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Netawaka - 75% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Jackson County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $104,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)