Home Insurance in Centralia, Kansas
With a median home value of $86,400, Centralia is 60% lower than the Nemaha County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Centralia was built around 1960. About 50% of homes were built before 1960, about 13 points above Nemaha County's 37%.
The housing stock in Centralia is 88% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Centralia, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Centralia has an owner-occupancy rate of 80% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Centralia, 78% of homes are primarily heated with natural gas.
FEMA rates Nemaha County's overall risk as Very Low, led by wildfire (Relatively Low). Nemaha County had 5 active NFIP flood policies as of September 2026. See the full Nemaha 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 | $86,400 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nemaha County | 5 |
| 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)