Home Insurance in Parsons, Kansas
The median home value in Parsons is $71,700, 24% lower than the Labette County median.
The typical home in Parsons was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 12 points above Labette County's 53%.
Housing in Parsons breaks down to 82% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
42% of owner-occupied homes in Parsons carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Parsons are owner-occupied.
72% of homes in Parsons are primarily heated with natural gas.
Labette County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $71,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)