Home Insurance in Jefferson County, Kansas
With a median home value of $216,900, Jefferson County is close to the Kansas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jefferson County was built around 1979. About 26% of homes were built before 1960, about 7 points below Kansas's 32%.
The housing stock in Jefferson County is 88% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Jefferson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jefferson County has an owner-occupancy rate of 86% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Jefferson County, 38% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Jefferson County's top hazards are wildfire (Relatively Low), winter weather (Relatively Low) and tornado (Relatively Low).
As of September 2026, Jefferson County has 52 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $216,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 52 |
| 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)