Home Insurance in Kingman, Kansas
With a median home value of $73,800, Kingman is 34% lower than the Kingman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kingman was built around 1955. About 57% of homes were built before 1960, about 3 points above Kingman County's 55%.
Housing in Kingman breaks down to 83% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
40% of owner-occupied homes in Kingman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in Kingman are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Kingman 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's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Kingman County had 38 active NFIP flood policies as of September 2026. See the full Kingman 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 | $73,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)