Home Insurance in Utica, Kansas
Homes in Utica carry a median value of $33,600 - 63% lower than the Ness County median.
The typical home in Utica was built around 1956. About 57% of homes were built before 1960, about 6 points above Ness County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Utica breaks down to 85% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 20% of owner-occupied homes in Utica have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Utica are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Utica - 68% - are primarily heated with propane.
FEMA rates Ness County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $33,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)