Home Insurance in St. George, Kansas
Homes in St. George carry a median value of $253,500 - close to the Pottawatomie County median.
The typical home in St. George was built around 2007. About 11% of homes were built before 1960, about 16 points below Pottawatomie County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In St. George, the housing stock is 83% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. George, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. George has an owner-occupancy rate of 83% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
52% of homes in St. George are primarily heated with natural gas.
What's the biggest home insurance risk near St. George? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Pottawatomie County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $253,500 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)