Home Insurance in McDonald, Kansas
The typical home in McDonald was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 51% of homes were built before 1960, about 4 points below Rawlins County's 55%.
In McDonald, the housing stock is 59% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in McDonald carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in McDonald are owner-occupied.
In McDonald, 96% of homes are primarily heated with natural gas.
FEMA rates Rawlins County's overall risk as Very Low, led by hail (Relatively Low). 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 year built | 1956 |
|---|---|
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)