Home Insurance in Norton County, Kansas
With a median home value of $101,500, Norton County is 53% lower than the Kansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Norton County was built around 1957. About 52% of homes were built before 1960, about 20 points above Kansas's 32%.
The housing stock in Norton County is 93% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Norton County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Norton County has an owner-occupancy rate of 76% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
63% of homes in Norton County 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.
FEMA's National Risk Index lists hail (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Norton County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Norton County has 6 active NFIP flood policies on file.
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 | $101,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)