Home Insurance in Dunlap, Kansas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Dunlap was built in 1939 or earlier. About 100% of homes were built before 1960, about 50 points above Morris County's 50%.
Housing in Dunlap breaks down to 100% single-family homes.
Almost no owner-occupied homes in Dunlap carry a mortgage.
About 25% of occupied homes in Dunlap are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dunlap, 25% of homes are primarily heated with propane.
FEMA rates Morris County's overall risk as Very Low, led by wildfire (Relatively Low). Morris County has no active NFIP flood policies on file. See the full Morris 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 25% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)