Home Insurance in Burlingame, Kansas
Homes in Burlingame carry a median value of $86,700 - 45% lower than the Osage County median.
The typical home in Burlingame was built around 1955. About 54% of homes were built before 1960, about 19 points above Osage County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Burlingame, the housing stock is 80% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Burlingame, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Burlingame are owner-occupied.
In Burlingame, 81% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Burlingame? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Osage County and Osage County had 21 active NFIP flood policies as of September 2026. See the full Osage 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 | $86,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Osage County | 21 |
| 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)