Home Insurance in Galva, Kansas
Homes in Galva carry a median value of $206,700 - close to the McPherson County median.
The typical home in Galva was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 14 points below McPherson County's 36%.
The housing stock in Galva is 95% single-family homes and 2% mobile or manufactured homes.
46% of owner-occupied homes in Galva carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Galva has an owner-occupancy rate of 85% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Galva, 82% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $206,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)