Home Insurance in Byers, Kansas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Byers was built around 1983. About 33% of homes were built before 1960, about 21 points below Pratt County's 55%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Byers is 83% single-family homes and 17% mobile or manufactured homes.
Almost no owner-occupied homes in Byers carry a mortgage.
About 83% of occupied homes in Byers are owner-occupied.
50% of homes in Byers are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Byers? FEMA's National Risk Index points to hail (Relatively Moderate) in Pratt County and Pratt County had 12 active NFIP flood policies as of September 2026. See the full Pratt 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 year built | 1983 |
|---|---|
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pratt County | 12 |
| 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)