Home Insurance in Deerfield, Kansas
With a median home value of $142,500, Deerfield is 29% lower than the Kearny County median.
The typical home in Deerfield was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 7 points above Kearny County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Deerfield is 61% single-family homes and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 21% of owner-occupied homes in Deerfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 45% of occupied homes in Deerfield are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
89% of homes in Deerfield are primarily heated with natural gas.
Kearny County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Kearny County had 9 active NFIP flood policies as of September 2026. See the full Kearny County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $142,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Kearny County | 9 |
| 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)