HomeInsuranceQts

Home Insurance in Plains, Kansas

With a median home value of $151,400, Plains is close to the Meade County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plains was built around 1968. About 38% of homes were built before 1960, about 14 points below Meade County's 52%.

The housing stock in Plains is 78% single-family homes, 1% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 54% of owner-occupied homes in Plains have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Plains has an owner-occupancy rate of 73% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.

85% of homes in Plains 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.

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$151,400
Median year built1968
Owner-occupied share73%
Share of owner-occupied homes with a mortgage54%
Top county hazardWildfire (Relatively Low)
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Plains, KS

Nearby towns

Sources

Data last updated: 2026-09-29