Home Insurance in Spring Hill, Kansas
With a median home value of $357,800, Spring Hill is 9% lower than the Johnson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Spring Hill was built around 2007. About 8% of homes were built before 1960, about 6 points below Johnson County's 14%.
Housing in Spring Hill breaks down to 87% single-family homes and 7% apartments in buildings with 5+ units.
In Spring Hill, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Spring Hill has an owner-occupancy rate of 77% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Spring Hill - 54% - are primarily heated with natural gas.
What's the biggest home insurance risk near Spring Hill? 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 | $357,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)