Home Insurance in Burdett, Kansas
Homes in Burdett carry a median value of $58,700 - 37% lower than the Pawnee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Burdett was built around 1954. About 60% of homes were built before 1960, about 2 points above Pawnee County's 58%.
The housing stock in Burdett is 74% single-family homes, 19% 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 Burdett, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Burdett has an owner-occupancy rate of 65% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
42% of homes in Burdett are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pawnee County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Pawnee 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 | $58,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pawnee County | 26 |
| 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)