Home Insurance in Tescott, Kansas
With a median home value of $110,100, Tescott is 34% lower than the Ottawa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tescott was built around 1957. About 57% of homes were built before 1960, about 16 points above Ottawa County's 41%.
The housing stock in Tescott is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 26% of owner-occupied homes in Tescott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tescott has an owner-occupancy rate of 94% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Tescott, 76% of homes are primarily heated with natural gas.
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.
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 | $110,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)