Home Insurance in Mitchell County, Kansas
The median home value in Mitchell County is $133,800, 38% lower than the Kansas median.
The typical home in Mitchell County was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 19 points above Kansas's 32%.
In Mitchell County, the housing stock is 84% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
44% of owner-occupied homes in Mitchell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mitchell County has an owner-occupancy rate of 69% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mitchell County, 55% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Mitchell County's top hazards are hail (Relatively High), strong wind (Relatively Moderate) and winter weather (Relatively Moderate).
Mitchell County had 11 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $133,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)