Home Insurance in Shawnee, Kansas
The median home value in Shawnee is $359,700, 8% lower than the Johnson County median.
The typical home in Shawnee was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 3 points below Johnson County's 14%.
Housing in Shawnee breaks down to 78% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Shawnee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Shawnee are owner-occupied.
In Shawnee, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Shawnee? 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.
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 | $359,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 74% |
| 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)