Home Insurance in Cullison, Kansas
The median home value in Cullison is $18,900, 84% lower than the Pratt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Cullison was built in 1939 or earlier. About 73% of homes were built before 1960, about 18 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 Cullison is 84% single-family homes and 15% mobile or manufactured homes.
About 17% of owner-occupied homes in Cullison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Cullison are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cullison, 76% of homes are primarily heated with natural gas.
FEMA rates Pratt County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $18,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)