Home Insurance in Prairie Village, Kansas
Homes in Prairie Village carry a median value of $435,700 - 11% higher than the Johnson County median.
The typical home in Prairie Village was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 43 points above Johnson County's 14%.
The housing stock in Prairie Village is 87% single-family homes and 10% apartments in buildings with 5+ units.
In Prairie Village, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Prairie Village has an owner-occupancy rate of 77% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Prairie Village, 80% of homes are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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 | $435,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)