Home Insurance in Goff, Kansas
The median home value in Goff is $50,000, 77% lower than the Nemaha County median.
The typical home in Goff was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 1 point above Nemaha County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Goff is 48% single-family homes and 52% mobile or manufactured homes.
About 23% of owner-occupied homes in Goff have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Goff has an owner-occupancy rate of 63% and a vacancy rate of 56%; 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. Most homes in Goff - 85% - are primarily heated with propane.
Nemaha County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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.
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 | $50,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)