Home Insurance in Paola, Kansas
With a median home value of $210,800, Paola is 27% lower than the Miami County median.
The typical home in Paola was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 13 points above Miami County's 25%.
The housing stock in Paola is 75% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Paola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Paola are owner-occupied.
Most homes in Paola - 51% - are primarily heated with electricity.
What's the biggest home insurance risk near Paola? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Miami County and Miami County had 52 active NFIP flood policies as of September 2026. See the full Miami 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 | $210,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Miami County | 52 |
| 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)