Home Insurance in Phillips County, Kansas
The median home value in Phillips County is $96,500, 56% lower than the Kansas median.
The typical home in Phillips County was built around 1961. About 49% of homes were built before 1960, about 16 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Phillips County is 90% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 43% of owner-occupied homes in Phillips County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Phillips County are owner-occupied.
Most homes in Phillips County - 65% - 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.
The top hazards for Phillips County, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Relatively Moderate) and winter weather (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Phillips County has no active NFIP flood policies on file.
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 home value | $96,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)