Home Insurance in Bazine, Kansas
The median home value in Bazine is $70,500, 21% lower than the Ness County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bazine was built around 1965. About 44% of homes were built before 1960, about 7 points below Ness County's 51%.
Housing in Bazine breaks down to 85% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Bazine, about 7% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Bazine are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bazine - 91% - are primarily heated with natural gas.
Ness County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Ness County had 2 active NFIP flood policies as of September 2026. See the full Ness County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $70,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ness County | 2 |
| 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)