Home Insurance in Dwight, Kansas
With a median home value of $86,800, Dwight is 33% lower than the Morris County median.
The typical home in Dwight was built around 1952. About 57% of homes were built before 1960, about 7 points above Morris County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Dwight, the housing stock is 89% 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.
38% of owner-occupied homes in Dwight carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Dwight are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dwight - 68% - are primarily heated with natural gas.
Morris County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $86,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)