Home Insurance in Portis, Kansas
The median home value in Portis is $37,300, 57% lower than the Osborne County median.
The median home in Portis was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 87% of homes were built before 1960, about 25 points above Osborne County's 62%.
Housing in Portis breaks down to 98% single-family homes and 2% mobile or manufactured homes.
18% of owner-occupied homes in Portis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Portis has an owner-occupancy rate of 94% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Portis - 80% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Osborne County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively High). See the full Osborne 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 | $37,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)