Home Insurance in Hutchinson, Kansas
With a median home value of $125,000, Hutchinson is 6% lower than the Reno County median.
The typical home in Hutchinson was built around 1960. About 51% of homes were built before 1960, about 3 points above Reno County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hutchinson, the housing stock is 80% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Hutchinson, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hutchinson has an owner-occupancy rate of 63% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Hutchinson - 75% - are primarily heated with natural gas.
Reno County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Reno County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)