HomeInsuranceQts

Home Insurance in Coats, Kansas

The median home in Coats was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 3 points above 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 Coats is 95% single-family homes and 5% mobile or manufactured homes.

In Coats, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Coats has an owner-occupancy rate of 97% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Coats, 42% of homes are primarily heated with electricity.

Pratt County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Pratt 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 year built1939 or earlier
Owner-occupied share97%
Share of owner-occupied homes with a mortgage35%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Pratt County12
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Coats, KS

Nearby towns

Sources

Data last updated: 2026-09-29