Home Insurance in Fowler, Kansas
The median home value in Fowler is $108,300, 27% lower than the Meade County median.
The typical home in Fowler was built around 1954. About 63% of homes were built before 1960, about 11 points above Meade County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fowler is 85% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Fowler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Fowler are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fowler - 86% - are primarily heated with natural gas.
FEMA rates Meade County's overall risk as Very Low, led by wildfire (Relatively Low). Meade County has no active NFIP flood policies on file. See the full Meade 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 | $108,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)