Home Insurance in Summerfield, Kansas
The median home value in Summerfield is $58,300, 54% lower than the Marshall County median.
The typical home in Summerfield was built around 1943. About 66% of homes were built before 1960, about 15 points above Marshall County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Summerfield, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Summerfield, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Summerfield are owner-occupied.
In Summerfield, 89% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Marshall County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). 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 | $58,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)