Home Insurance in Overbrook, Kansas
With a median home value of $146,300, Overbrook is 7% lower than the Osage County median.
The typical home in Overbrook was built around 1972. About 38% of homes were built before 1960, about 4 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.
The housing stock in Overbrook is 88% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Overbrook, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Overbrook are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Overbrook, 85% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $146,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)