Home Insurance in Kearny County, Kansas
With a median home value of $200,900, Kearny County is 8% lower than the Kansas median.
The typical home in Kearny County was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, in line with Kansas (32%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kearny County is 79% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
48% of owner-occupied homes in Kearny County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Kearny County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kearny County - 69% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Kearny County's top hazards are hail (Relatively Low), winter weather (Relatively Low) and wildfire (Very Low).
Kearny County had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $200,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)