Home Insurance in Oakley, Kansas
Homes in Oakley carry a median value of $120,000 - close to the Logan County median.
The typical home in Oakley was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 6 points below Logan County's 53%.
Housing in Oakley breaks down to 88% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
54% of owner-occupied homes in Oakley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oakley has an owner-occupancy rate of 66% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Oakley, 88% of homes are primarily heated with natural gas.
Logan County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Low). See the full Logan 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 | $120,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)