Home Insurance in Tyro, Kansas
With a median home value of $132,100, Tyro is 30% higher than the Montgomery County median.
The typical home in Tyro was built around 1974. About 26% of homes were built before 1960, about 27 points below Montgomery County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Tyro is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 78% of owner-occupied homes in Tyro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Tyro are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tyro - 90% - are primarily heated with natural gas.
What's the biggest home insurance risk near Tyro? 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.
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 | $132,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)