Home Insurance in Overland Park, Kansas
With a median home value of $413,600, Overland Park is 6% higher than the Johnson County median.
The typical home in Overland Park was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 3 points below Johnson County's 14%.
Housing in Overland Park breaks down to 65% single-family homes and 28% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Overland Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Overland Park has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
65% of homes in Overland Park are primarily heated with natural gas.
FEMA rates Johnson County's overall risk as Relatively High, led by winter weather (Very High). 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.
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 | $413,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)