Home Insurance in Parker, Kansas
Homes in Parker carry a median value of $163,600 - 6% lower than the Linn County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Parker was built around 1981. About 39% of homes were built before 1960, about 14 points above Linn County's 25%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Parker is 86% single-family homes and 14% mobile or manufactured homes.
In Parker, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Parker are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Parker, 47% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Linn County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Linn County had 19 active NFIP flood policies as of September 2026. See the full Linn 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 | $163,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Linn County | 19 |
| 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)