Home Insurance in Edmond, Kansas
The median home value in Edmond is under $10,000.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Edmond was built in 1939 or earlier. About 84% of homes were built before 1960, about 32 points above Norton County's 52%.
In Edmond, the housing stock is 100% single-family homes.
8% of owner-occupied homes in Edmond carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Edmond are owner-occupied. The vacancy rate is 40%; 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. In Edmond, 60% of homes 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.
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 | under $10,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Norton County | 6 |
| 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)