Home Insurance in Pottawatomie County, Kansas
With a median home value of $245,900, Pottawatomie County is 13% higher than the Kansas median.
The typical home in Pottawatomie County was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 5 points below Kansas's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pottawatomie County is 83% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
55% of owner-occupied homes in Pottawatomie County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pottawatomie County has an owner-occupancy rate of 82% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pottawatomie County, 53% of homes are primarily heated with natural gas.
The top hazards for Pottawatomie County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and hail (Relatively Low).
Pottawatomie County had 114 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $245,900 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 114 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Louisville
- Median home value: $57,100
- Median year built: 1989
- Owner-occupied share: 92%
-
Wamego
- Median home value: $198,300
- Median year built: 1978
- Owner-occupied share: 73%
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)