Home Insurance in Jewell County, Kansas
The median home value in Jewell County is $64,600, 70% lower than the Kansas median.
The typical home in Jewell County was built around 1945. About 59% of homes were built before 1960, about 27 points above Kansas's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jewell County is 82% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 28% of owner-occupied homes in Jewell County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Jewell County are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jewell County - 63% - 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, Jewell County's top hazards are hail (Relatively High), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Jewell County has no active NFIP flood policies on file.
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 | $64,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| 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)