Home Insurance in Atwood, Kansas
With a median home value of $119,800, Atwood is 15% higher than the Rawlins County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Atwood was built around 1960. About 51% of homes were built before 1960, about 4 points below Rawlins County's 55%.
The housing stock in Atwood is 82% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Atwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Atwood has an owner-occupancy rate of 75% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Atwood, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Atwood? FEMA's National Risk Index points to hail (Relatively Low) in Rawlins County and Rawlins County had 2 active NFIP flood policies as of September 2026. See the full Rawlins 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 home value | $119,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Rawlins County | 2 |
| 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)