Home Insurance in Hartford, Kansas
With a median home value of $69,500, Hartford is 54% lower than the Lyon County median.
The typical home in Hartford was built around 1963. About 46% of homes were built before 1960, about 9 points above Lyon County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Hartford is 72% single-family homes, 5% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Hartford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Hartford are owner-occupied.
Most homes in Hartford - 76% - are primarily heated with natural gas.
Lyon County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Lyon County had 40 active NFIP flood policies as of September 2026. See the full Lyon County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $69,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lyon County | 40 |
| 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)