Home Insurance in Haviland, Kansas
Homes in Haviland carry a median value of $97,900 - 37% lower than the Kiowa County median.
The typical home in Haviland was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 16 points above Kiowa County's 37%.
The housing stock in Haviland is 81% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Haviland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Haviland has an owner-occupancy rate of 81% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
72% of homes in Haviland are primarily heated with natural gas.
FEMA rates Kiowa County's overall risk as Very Low, led by wildfire (Relatively Low). Kiowa County had 2 active NFIP flood policies as of September 2026. See the full Kiowa 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 | $97,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kiowa County | 2 |
| 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)