Home Insurance in Coffeyville, Kansas
The median home value in Coffeyville is $60,800, 40% lower than the Montgomery County median.
The typical home in Coffeyville was built around 1954. About 60% of homes were built before 1960, about 7 points above Montgomery County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Coffeyville is 82% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Coffeyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Coffeyville are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Coffeyville are primarily heated with natural gas.
Montgomery County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Montgomery County had 111 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $60,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 111 |
| 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)