Home Insurance in Phillipsburg, Kansas
With a median home value of $98,300, Phillipsburg is close to the Phillips County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Phillipsburg was built around 1964. About 41% of homes were built before 1960, about 7 points below Phillips County's 49%.
The housing stock in Phillipsburg is 89% single-family homes and 4% apartments in buildings with 5+ units.
About 50% of owner-occupied homes in Phillipsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Phillipsburg are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Phillipsburg, 83% of homes are primarily heated with natural gas.
Phillips County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively High). 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 | $98,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)