Home Insurance in Merriam, Kansas
The median home value in Merriam is $263,300, 33% lower than the Johnson County median.
The typical home in Merriam was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 11 points above Johnson County's 14%.
In Merriam, the housing stock is 67% single-family homes and 28% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Merriam have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Merriam has an owner-occupancy rate of 61% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
71% of homes in Merriam 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.
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 | $263,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Roeland Park
- Fairway
- Prairie Village
- Mission Hills
- Lake Quivira
- Mission Woods
- Westwood Hills
- Shawnee
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)