Home Insurance in Valley Falls, Kansas
Homes in Valley Falls carry a median value of $122,700 - 43% lower than the Jefferson County median.
The typical home in Valley Falls was built around 1954. About 57% of homes were built before 1960, about 32 points above Jefferson County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Valley Falls breaks down to 72% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Valley Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Valley Falls has an owner-occupancy rate of 55% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Valley Falls - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near Valley Falls? FEMA's National Risk Index points to wildfire (Relatively Low) in Jefferson County and 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.
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 | $122,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)