Home Insurance in Burr Oak, Kansas
With a median home value of $33,100, Burr Oak is 49% lower than the Jewell County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Burr Oak was built in 1939 or earlier. About 82% of homes were built before 1960, about 23 points above Jewell County's 59%.
The housing stock in Burr Oak is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Burr Oak have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Burr Oak has an owner-occupancy rate of 100% and a vacancy rate of 48%; unoccupied homes typically need a different coverage form.
In Burr Oak, 95% of homes are primarily heated with natural gas.
Jewell County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively High). See the full Jewell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $33,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively High) |
| 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)