HomeInsuranceQts

Home Insurance in Clayton, Kansas

The median home in Clayton was built in 1939 or earlier. About 67% of homes were built before 1960, about 14 points above Norton County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Housing in Clayton breaks down to 97% single-family homes and 3% mobile or manufactured homes.

6% of owner-occupied homes in Clayton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

All occupied homes in Clayton are owner-occupied. The vacancy rate is 56%; 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 Clayton - 76% - are primarily heated with propane.

FEMA rates Norton County's overall risk as Very Low, led by hail (Relatively Moderate). Norton County had 6 active NFIP flood policies as of September 2026. See the full Norton 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 year built1939 or earlier
Owner-occupied share100%
Share of owner-occupied homes with a mortgage6%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Norton County6
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Clayton, KS

Nearby towns

Sources

Data last updated: 2026-09-29