Home Insurance in Simpson, Kansas
The median home value in Simpson is $27,500, 79% lower than the Mitchell County median.
The typical home in Simpson was built around 1949. About 75% of homes were built before 1960, about 24 points above Mitchell County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Simpson, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
About 38% of owner-occupied homes in Simpson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Simpson are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Simpson are primarily heated with propane.
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.
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 | $27,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)