Home Insurance in Barnard, Kansas
The median home in Barnard was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 91% of homes were built before 1960, about 22 points above Lincoln County's 69%.
In Barnard, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
2% of owner-occupied homes in Barnard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Barnard has an owner-occupancy rate of 86% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Barnard - 94% - are primarily heated with natural gas. Homes heated with wood 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 Barnard? FEMA's National Risk Index points to hail (Relatively Moderate) in Lincoln County and Lincoln County had 6 active NFIP flood policies as of September 2026. See the full Lincoln 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 2% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 6 |
| 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)