Home Insurance in Reno County, Kansas
Homes in Reno County carry a median value of $132,500 - 39% lower than the Kansas median.
The typical home in Reno County was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 15 points above Kansas's 32%.
The housing stock in Reno County is 83% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Reno County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reno County has an owner-occupancy rate of 69% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Reno County - 65% - are primarily heated with natural gas.
The top hazards for Reno County, per FEMA's National Risk Index, are strong wind (Relatively High), wildfire (Relatively Moderate) and hail (Relatively High).
Reno County had 213 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $132,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Wildfire (Relatively Moderate), Hail (Relatively High) |
| Active NFIP flood policies (county) | 213 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
- Abbyville
- Arlington
- Buhler
- Haven
- Hutchinson
- Langdon
- Nickerson
- Partridge
- Plevna
- Pretty Prairie
- South Hutchinson
- Sylvia
- The Highlands
- Turon
- Willowbrook
Sources
- 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)