Home Insurance in Cunningham, Kansas
The median home value in Cunningham is $97,800, 12% lower than the Kingman County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cunningham was built around 1952. About 64% of homes were built before 1960, about 10 points above Kingman County's 55%.
In Cunningham, the housing stock is 91% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cunningham, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cunningham has an owner-occupancy rate of 84% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Cunningham - 87% - 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.
Kingman County had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Kingman 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 | $97,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kingman County | 38 |
| 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)