Home Insurance in Pratt, Kansas
With a median home value of $107,500, Pratt is 6% lower than the Pratt County median.
The typical home in Pratt was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 5 points above Pratt County's 55%.
Housing in Pratt breaks down to 84% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
45% of owner-occupied homes in Pratt carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Pratt are owner-occupied.
Most homes in Pratt - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pratt? 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.
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 | $107,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)