Home Insurance in Dighton, Kansas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dighton was built around 1958. About 60% of homes were built before 1960, about 5 points above Lane County's 55%.
Housing in Dighton breaks down to 95% single-family homes and 2% mobile or manufactured homes.
32% of owner-occupied homes in Dighton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 97% of occupied homes in Dighton are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dighton - 89% - are primarily heated with natural gas.
FEMA rates Lane County's overall risk as Very Low, led by hail (Relatively Low). Lane County has no active NFIP flood policies on file. See the full Lane 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 year built | 1958 |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Low) |
| 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)