Home Insurance in Osage County, Kansas
Homes in Osage County carry a median value of $156,800 - 28% lower than the Kansas median.
The typical home in Osage County was built around 1974. About 35% of homes were built before 1960, about 2 points above Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Osage County is 85% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Osage County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Osage County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Osage County, 49% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Osage County's top hazards are winter weather (Relatively Moderate), hail (Relatively Moderate) and wildfire (Relatively Low).
Osage County had 21 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 home value | $156,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 21 |
| 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)