Home Insurance in Meriden, Kansas
The median home value in Meriden is $176,400, 19% lower than the Jefferson County median.
The typical home in Meriden was built around 1974. About 25% of homes were built before 1960, in line with Jefferson County (26%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Meriden is 84% single-family homes, 4% 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.
45% of owner-occupied homes in Meriden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Meriden are owner-occupied.
85% of homes in Meriden are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Jefferson County had 52 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $176,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jefferson County | 52 |
| 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)