HomeInsuranceQts

Home Insurance in Sylvia, Kansas

With a median home value of $58,600, Sylvia is 56% lower than the Reno County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sylvia was built around 1954. About 57% of homes were built before 1960, about 10 points above Reno County's 47%.

In Sylvia, the housing stock is 100% single-family homes.

In Sylvia, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Sylvia are owner-occupied.

In Sylvia, 74% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Reno County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.

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$58,600
Median year built1954
Owner-occupied share97%
Share of owner-occupied homes with a mortgage20%
Top county hazardStrong Wind (Relatively High)
Active NFIP policies in Reno County213
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Sylvia, KS

Nearby towns

Sources

Data last updated: 2026-09-29