Home Insurance in Wilsey, Kansas
Homes in Wilsey carry a median value of $53,300 - 59% lower than the Morris County median.
The typical home in Wilsey was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 1 point below Morris County's 50%.
The housing stock in Wilsey is 59% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Wilsey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 97% of occupied homes in Wilsey are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wilsey - 62% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Wilsey? FEMA's National Risk Index points to wildfire (Relatively Low) in Morris County and 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.
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 | $53,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)