Home Insurance in Culver, Kansas
The median home in Culver was built in 1939 or earlier. About 71% of homes were built before 1960, about 30 points above Ottawa County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Culver is 76% single-family homes and 24% mobile or manufactured homes.
22% of owner-occupied homes in Culver carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Culver are owner-occupied.
38% of homes in Culver are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Ottawa County had 41 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Ottawa 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ottawa County | 41 |
| 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)