Home Insurance in Scranton, Kansas
Homes in Scranton carry a median value of $75,900 - 52% lower than 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 Scranton was built around 1984. About 28% of homes were built before 1960, about 7 points below Osage County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scranton is 80% single-family homes and 16% mobile or manufactured homes.
In Scranton, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scranton has an owner-occupancy rate of 87% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
79% of homes in Scranton 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.
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 | $75,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)