Home Insurance in Beloit, Kansas
With a median home value of $125,600, Beloit is 6% lower than the Mitchell County median.
The typical home in Beloit was built around 1964. About 43% of homes were built before 1960, about 9 points below Mitchell County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Beloit breaks down to 76% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Beloit carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Beloit are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Beloit are primarily heated with natural gas.
Mitchell County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Mitchell 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 | $125,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Mitchell County | 11 |
| 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)