Home Insurance in Herington, Kansas
The median home value in Herington is $85,200, 34% lower than the Morris County median.
The typical home in Herington was built around 1946. About 73% of homes were built before 1960, about 23 points above Morris County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Herington breaks down to 86% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
50% of owner-occupied homes in Herington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Herington has an owner-occupancy rate of 64% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Herington, 87% of homes are primarily heated with natural gas.
Morris County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Morris 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 | $85,200 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)