Home Insurance in Abbyville, Kansas
With a median home value of $85,000, Abbyville is 36% lower than the Reno County median.
The typical home in Abbyville was built around 1972. About 43% of homes were built before 1960, about 5 points below Reno County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Abbyville, the housing stock is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Abbyville, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Abbyville are owner-occupied.
Most homes in Abbyville - 77% - 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.
Reno County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Reno County had 213 active NFIP flood policies as of September 2026. See the full Reno 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 | $85,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Reno County | 213 |
| 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)