Home Insurance in Wheaton, Kansas
Homes in Wheaton carry a median value of $85,700 - 65% lower than the Pottawatomie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Wheaton was built in 1939 or earlier. About 65% of homes were built before 1960, about 38 points above Pottawatomie County's 27%.
The housing stock in Wheaton is 98% single-family homes and 2% mobile or manufactured homes.
In Wheaton, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wheaton has an owner-occupancy rate of 63% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
63% of homes in Wheaton are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Pottawatomie County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $85,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)