Home Insurance in Pawnee County, Kansas
Homes in Pawnee County carry a median value of $93,000 - 57% lower than the Kansas median.
The typical home in Pawnee County was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 26 points above Kansas's 32%.
In Pawnee County, the housing stock is 80% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pawnee County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pawnee County has an owner-occupancy rate of 66% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Pawnee County are primarily heated with natural gas.
Per FEMA's National Risk Index, Pawnee County's top hazards are hail (Relatively Moderate), tornado (Relatively Low) and wildfire (Very Low).
As of September 2026, Pawnee County has 26 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $93,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 26 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)