Home Insurance in Belvue, Kansas
The median home value in Belvue is $184,400, 25% lower than the Pottawatomie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Belvue was built around 1971. About 35% of homes were built before 1960, about 8 points above Pottawatomie County's 27%.
In Belvue, the housing stock is 80% single-family homes, 7% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Belvue carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Belvue are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Belvue, 83% of homes are primarily heated with natural gas.
Pottawatomie County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Pottawatomie County had 114 active NFIP flood policies as of September 2026. See the full Pottawatomie 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 | $184,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pottawatomie County | 114 |
| 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)