Home Insurance in Sabetha, Kansas
Homes in Sabetha carry a median value of $170,800 - 21% lower than the Nemaha County median.
The typical home in Sabetha was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 2 points above Nemaha County's 37%.
The housing stock in Sabetha is 72% single-family homes and 23% apartments in buildings with 5+ units.
52% of owner-occupied homes in Sabetha carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sabetha has an owner-occupancy rate of 62% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
69% of homes in Sabetha are primarily heated with natural gas. Homes heated with propane 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 Sabetha? FEMA's National Risk Index points to wildfire (Relatively Low) in Nemaha County and 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 | $170,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)