Home Insurance in Nashville, Kansas
Homes in Nashville carry a median value of $37,500 - 66% lower than the Kingman County median.
The median home in Nashville was built in 1939 or earlier. About 83% of homes were built before 1960, about 28 points above Kingman County's 55%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Nashville breaks down to 100% single-family homes.
About 11% of owner-occupied homes in Nashville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nashville has an owner-occupancy rate of 50% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Nashville - 58% - are primarily heated with natural gas.
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.
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 | $37,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)