Home Insurance in Axtell, Kansas
The median home value in Axtell is $125,000, close to the Marshall County median.
The typical home in Axtell was built around 1973. About 33% of homes were built before 1960, about 18 points below Marshall County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Axtell, the housing stock is 92% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
47% of owner-occupied homes in Axtell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Axtell are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Axtell - 77% - are primarily heated with natural gas.
FEMA rates Marshall County's overall risk as Very Low, led by wildfire (Relatively Low). Marshall County has no active NFIP flood policies on file. See the full Marshall 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 | $125,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (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)