Home Insurance in Delphos, Kansas
Homes in Delphos carry a median value of $63,200 - 62% lower than the Ottawa County median.
The median home in Delphos was built in 1939 or earlier. About 64% of homes were built before 1960, about 23 points above Ottawa County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Delphos is 80% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Delphos, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Delphos are owner-occupied.
Most homes in Delphos - 64% - are primarily heated with natural gas.
FEMA rates Ottawa County's overall risk as Very Low, led by hail (Relatively Moderate). Ottawa County had 41 active NFIP flood policies as of September 2026. See the full Ottawa 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 | $63,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)