Home Insurance in Westwood Hills, Kansas
With a median home value of $564,000, Westwood Hills is 44% higher than the Johnson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Westwood Hills was built in 1939 or earlier. About 93% of homes were built before 1960, about 79 points above Johnson County's 14%.
The housing stock in Westwood Hills is 99% single-family homes.
72% of owner-occupied homes in Westwood Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Westwood Hills are owner-occupied.
Most homes in Westwood Hills - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Westwood Hills? 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 | $564,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)