HomeInsuranceQts

Home Insurance in Mankato, Kansas

Homes in Mankato carry a median value of $55,800 - 14% lower than the Jewell County median.

The typical home in Mankato was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 2 points below Jewell County's 59%.

Housing in Mankato breaks down to 76% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

26% of owner-occupied homes in Mankato carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Mankato are owner-occupied.

In Mankato, 89% of homes are primarily heated with natural gas.

FEMA rates Jewell County's overall risk as Very Low, led by hail (Relatively High). 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.

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$55,800
Median year built1952
Owner-occupied share67%
Share of owner-occupied homes with a mortgage26%
Top county hazardHail (Relatively High)
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Mankato, KS

Nearby towns

Sources

Data last updated: 2026-09-29