Home Insurance in Quenemo, Kansas
The median home value in Quenemo is $53,800, 66% lower than the Osage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Quenemo was built around 1963. About 46% of homes were built before 1960, about 11 points above Osage County's 35%.
In Quenemo, the housing stock is 52% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Quenemo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Quenemo are owner-occupied.
88% of homes in Quenemo 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 | $53,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)