Home Insurance in South Hutchinson, Kansas
With a median home value of $151,000, South Hutchinson is 14% higher than the Reno County median.
The typical home in South Hutchinson was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 17 points below Reno County's 47%.
Housing in South Hutchinson breaks down to 70% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 52% of owner-occupied homes in South Hutchinson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in South Hutchinson are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in South Hutchinson are primarily heated with natural gas.
What's the biggest home insurance risk near South Hutchinson? FEMA's National Risk Index points to strong wind (Relatively High) in Reno County and 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 | $151,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)