Home Insurance in Bartlett, Kansas
With a median home value of $35,000, Bartlett is 63% lower than the Labette County median.
The typical home in Bartlett was built around 1980. About 27% of homes were built before 1960, about 26 points below Labette County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bartlett is 69% single-family homes and 31% mobile or manufactured homes.
31% of owner-occupied homes in Bartlett carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bartlett has an owner-occupancy rate of 64% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
68% of homes in Bartlett are primarily heated with natural gas.
Labette County had 82 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Labette County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $35,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Labette County | 82 |
| 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)