Home Insurance in Peabody, Kansas
Homes in Peabody carry a median value of $77,800 - 37% lower than the Marion County median.
The typical home in Peabody was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 70% of homes were built before 1960, about 15 points above Marion County's 55%.
In Peabody, the housing stock is 93% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 51% of owner-occupied homes in Peabody have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Peabody has an owner-occupancy rate of 78% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
81% of homes in Peabody are primarily heated with natural gas.
What's the biggest home insurance risk near Peabody? FEMA's National Risk Index points to hail (Relatively Moderate) in Marion County and Marion County had 15 active NFIP flood policies as of September 2026. See the full Marion 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 | $77,800 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Marion County | 15 |
| 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)