Home Insurance in Prairie View, Kansas
The median home value in Prairie View is $123,400, 28% higher than the Phillips County median.
The typical home in Prairie View was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 2 points below Phillips County's 49%.
In Prairie View, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 24% of owner-occupied homes in Prairie View have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Prairie View are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Prairie View, 70% of homes are primarily heated with propane.
What's the biggest home insurance risk near Prairie View? FEMA's National Risk Index points to hail (Relatively High) in Phillips County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $123,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)