Home Insurance in Agra, Kansas
With a median home value of $58,300, Agra is 40% lower than the Phillips County median.
The typical home in Agra was built around 1953. About 56% of homes were built before 1960, about 8 points above Phillips County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Agra is 80% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 39% of owner-occupied homes in Agra have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Agra are owner-occupied.
Most homes in Agra - 91% - are primarily heated with natural gas.
FEMA rates Phillips County's overall risk as Very Low, led by hail (Relatively High). Phillips County has no active NFIP flood policies on file. See the full Phillips 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 | $58,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively High) |
| 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)