Home Insurance in Gardner, Kansas
Homes in Gardner carry a median value of $306,200 - 22% lower than the Johnson County median.
The typical home in Gardner was built around 2003. About 4% of homes were built before 1960, about 9 points below Johnson County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Gardner is 77% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
78% of owner-occupied homes in Gardner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gardner has an owner-occupancy rate of 68% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Gardner, 72% of homes are primarily heated with natural gas.
Johnson County had 751 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Johnson 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 | $306,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)