Home Insurance in Pretty Prairie, Kansas
Homes in Pretty Prairie carry a median value of $100,000 - 25% lower than the Reno County median.
The typical home in Pretty Prairie was built around 1958. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 10 points above Reno County's 47%.
In Pretty Prairie, the housing stock is 94% single-family homes and 2% apartments in buildings with 5+ units.
40% of owner-occupied homes in Pretty Prairie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pretty Prairie has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
71% of homes in Pretty Prairie are primarily heated with natural gas.
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.
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 | $100,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)