Home Insurance in Downs, Kansas
Homes in Downs carry a median value of $102,700 - 19% higher than the Osborne County median.
The typical home in Downs was built around 1955. About 57% of homes were built before 1960, about 4 points below Osborne County's 62%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Downs is 84% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Downs, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Downs are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Downs, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Downs? FEMA's National Risk Index points to hail (Relatively High) in Osborne County and Osborne County has no active NFIP flood policies on file. See the full Osborne 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 | $102,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively High) |
| 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)