Home Insurance in Chetopa, Kansas
Homes in Chetopa carry a median value of $71,900 - 24% lower than the Labette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Chetopa was built around 1956. About 59% of homes were built before 1960, about 6 points above Labette County's 53%.
In Chetopa, the housing stock is 76% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Chetopa, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Chetopa are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chetopa, 57% of homes are primarily heated with natural gas. 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 Chetopa? FEMA's National Risk Index points to tornado (Relatively Moderate) in Labette County and Labette County had 82 active NFIP flood policies as of September 2026. See the full Labette 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 | $71,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)