Home Insurance in Jewell, Kansas
With a median home value of $59,600, Jewell is 8% lower than the Jewell County median.
The typical home in Jewell was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 8 points below Jewell County's 59%.
In Jewell, the housing stock is 80% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Jewell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jewell has an owner-occupancy rate of 67% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Jewell, 79% of homes are primarily heated with natural gas.
Jewell County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Jewell County has no active NFIP flood policies on file. 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 | $59,600 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)