Home Insurance in Olivet, Kansas
Homes in Olivet carry a median value of $157,700 - close to the Osage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Olivet was built around 1988. About 30% of homes were built before 1960, about 5 points below Osage County's 35%.
The housing stock in Olivet is 79% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Olivet carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Olivet are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in Olivet are primarily heated with natural gas.
FEMA rates Osage County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $157,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)