Home Insurance in Canton, Kansas
The median home value in Canton is $128,200, 39% lower than the McPherson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Canton was built around 1955. About 55% of homes were built before 1960, about 19 points above McPherson County's 36%.
The housing stock in Canton is 94% single-family homes and 2% mobile or manufactured homes.
In Canton, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Canton has an owner-occupancy rate of 89% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Canton - 83% - are primarily heated with natural gas.
McPherson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. McPherson County had 93 active NFIP flood policies as of September 2026. See the full McPherson 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 | $128,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in McPherson County | 93 |
| 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)