Home Insurance in Herndon, Kansas
Homes in Herndon carry a median value of $48,600 - 53% lower than the Rawlins County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Herndon was built in 1939 or earlier. About 73% of homes were built before 1960, about 19 points above Rawlins 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 Herndon is 86% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
20% of owner-occupied homes in Herndon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Herndon are owner-occupied.
Most homes in Herndon - 85% - are primarily heated with natural gas. Homes heated with propane 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 Herndon? 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.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $48,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)