Home Insurance in Erie, Kansas
With a median home value of $109,900, Erie is close to the Neosho County median.
The typical home in Erie was built around 1971. About 33% of homes were built before 1960, about 15 points below Neosho County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Erie is 77% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
48% of owner-occupied homes in Erie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Erie are owner-occupied.
77% of homes in Erie are primarily heated with natural gas.
Neosho County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $109,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)