Home Insurance in Johnson County, Kansas
With a median home value of $391,200, Johnson County is 80% higher than the Kansas median.
The typical home in Johnson County was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 19 points below Kansas's 32%.
In Johnson County, the housing stock is 74% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Johnson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Johnson County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Johnson County, 69% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Johnson County's top hazards are winter weather (Very High), tornado (Very High) and hail (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Johnson County has 751 active NFIP flood policies on file.
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 | $391,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Tornado (Very High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 751 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
- De Soto
- Edgerton
- Fairway
- Gardner
- Lake Quivira
- Leawood
- Merriam
- Mission Hills
- Mission Woods
- Overland Park
- Prairie Village
- Roeland Park
- Shawnee
- Spring Hill
- Westwood Hills
Smaller communities
-
Lenexa
- Median home value: $394,900
- Median year built: 1992
- Owner-occupied share: 57%
-
Mission
- Median home value: $289,100
- Median year built: 1972
- Owner-occupied share: 45%
-
Olathe
- Median home value: $364,700
- Median year built: 1994
- Owner-occupied share: 75%
-
Westwood
- Median home value: $404,200
- Median year built: 1950
- Owner-occupied share: 81%
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)