Home Insurance in Onaga, Kansas
Homes in Onaga carry a median value of $116,200 - 53% lower than the Pottawatomie County median.
The typical home in Onaga was built around 1948. About 59% of homes were built before 1960, about 32 points above Pottawatomie County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Onaga breaks down to 83% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Onaga, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Onaga has an owner-occupancy rate of 57% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Onaga - 68% - are primarily heated with natural gas.
Pottawatomie County had 114 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $116,200 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)