Home Insurance in Zenda, Kansas
With a median home value of $51,000, Zenda is 54% lower than the Kingman County median.
The typical home in Zenda was built around 1943. About 73% of homes were built before 1960, about 18 points above Kingman County's 55%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Zenda is 100% single-family homes.
About 33% of owner-occupied homes in Zenda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Zenda are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Zenda, 71% of homes are primarily heated with propane.
What's the biggest home insurance risk near Zenda? 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.
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 | $51,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 88% |
| 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)