Home Insurance in Chanute, Kansas
The median home value in Chanute is $78,000, 30% lower than the Neosho County median.
The typical home in Chanute was built around 1953. About 64% of homes were built before 1960, about 16 points above Neosho County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Chanute, the housing stock is 87% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 51% of owner-occupied homes in Chanute have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Chanute are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Chanute are primarily heated with natural gas.
FEMA rates Neosho County's overall risk as Very Low, led by winter weather (Relatively Moderate). Neosho County had 78 active NFIP flood policies as of September 2026. See the full Neosho 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 | $78,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Neosho County | 78 |
| 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)