Home Insurance in Independence, Kansas
Homes in Independence carry a median value of $88,800 - 13% lower than the Montgomery County median.
The typical home in Independence was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 4 points above Montgomery County's 53%.
The housing stock in Independence is 81% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Independence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Independence has an owner-occupancy rate of 70% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Independence, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Independence? FEMA's National Risk Index points to tornado (Relatively Moderate) in Montgomery County and 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.
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 | $88,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)