Home Insurance in Esbon, Kansas
The median home value in Esbon is $106,300, 65% higher than the Jewell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Esbon was built around 1957. About 56% of homes were built before 1960, about 3 points below Jewell County's 59%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Esbon is 83% single-family homes and 17% mobile or manufactured homes.
14% of owner-occupied homes in Esbon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Esbon has an owner-occupancy rate of 66% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
85% of homes in Esbon 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.
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 | $106,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)