Home Insurance in Edgerton, Kansas
The median home value in Edgerton is $210,600, 46% lower than the Johnson County median.
The typical home in Edgerton was built around 1976. About 21% of homes were built before 1960, about 7 points above Johnson County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Edgerton is 93% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 85% of owner-occupied homes in Edgerton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edgerton has an owner-occupancy rate of 89% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Edgerton - 69% - are primarily heated with natural gas.
What's the biggest home insurance risk near Edgerton? FEMA's National Risk Index points to winter weather (Very High) in Johnson County and Johnson County had 751 active NFIP flood policies as of September 2026. See the full Johnson 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 | $210,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 85% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Johnson County | 751 |
| 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)