Home Insurance in Preston, Kansas
The median home in Preston was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 7 points above Pratt County's 55%.
The housing stock in Preston is 79% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Preston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Preston has an owner-occupancy rate of 60% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in Preston - 60% - 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.
What's the biggest home insurance risk near Preston? 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)