Home Insurance in Spivey, Kansas
With a median home value of $73,900, Spivey is 33% 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 Spivey was built around 1955. About 62% of homes were built before 1960, about 8 points above Kingman County's 55%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Spivey is 78% single-family homes and 22% mobile or manufactured homes.
Almost no owner-occupied homes in Spivey carry a mortgage.
The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Spivey are owner-occupied.
Most homes in Spivey - 58% - 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.
What's the biggest home insurance risk near Spivey? FEMA's National Risk Index points to wildfire (Relatively Low) in Kingman County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $73,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)