Home Insurance in Richfield, Kansas
Homes in Richfield carry a median value of $229,200 - 139% higher than the Morton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Richfield was built around 1964. About 21% of homes were built before 1960, about 17 points below Morton County's 38%.
The housing stock in Richfield is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Richfield carry a mortgage.
All occupied homes in Richfield are owner-occupied. The vacancy rate is 21%; 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. 100% of homes in Richfield are primarily heated with propane.
Morton County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Morton County has no active NFIP flood policies on file. See the full Morton 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 | $229,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 100% |
| 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)