Home Insurance in Lake Quivira, Kansas
Homes in Lake Quivira carry a median value of $817,900 - 109% higher than the Johnson County median.
The typical home in Lake Quivira was built around 1964. About 43% of homes were built before 1960, about 30 points above 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 Lake Quivira is 100% single-family homes.
In Lake Quivira, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lake Quivira has an owner-occupancy rate of 98% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Lake Quivira, 89% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lake Quivira? 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.
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 | $817,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)