Home Insurance in Blue Rapids, Kansas
With a median home value of $68,300, Blue Rapids is 47% lower than the Marshall County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Blue Rapids was built around 1953. About 57% of homes were built before 1960, about 6 points above Marshall County's 51%.
The housing stock in Blue Rapids is 81% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Blue Rapids have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Blue Rapids are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blue Rapids, 85% of homes are primarily heated with natural gas.
Marshall County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $68,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)