Home Insurance in Inman, Kansas
With a median home value of $149,000, Inman is 29% lower than the McPherson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Inman was built around 1974. About 31% of homes were built before 1960, about 5 points below McPherson County's 36%.
The housing stock in Inman is 77% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Inman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Inman has an owner-occupancy rate of 74% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
76% of homes in Inman are primarily heated with natural gas.
McPherson County had 93 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $149,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)