Home Insurance in Penalosa, Kansas
The typical home in Penalosa was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 89% of homes were built before 1960, about 34 points above Kingman County's 55%.
Housing in Penalosa breaks down to 100% single-family homes.
About 33% of owner-occupied homes in Penalosa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Penalosa are owner-occupied. The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Penalosa - 67% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Kingman County's overall risk as Very Low, led by wildfire (Relatively Low). 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 year built | 1954 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)