Home Insurance in The Highlands, Kansas
The median home value in The Highlands is $288,900, 118% higher than the Reno County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in The Highlands was built around 2000. About 0% of homes were built before 1960, about 47 points below Reno County's 47%.
Housing in The Highlands breaks down to 92% single-family homes and 1% apartments in buildings with 5+ units.
In The Highlands, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The Highlands has an owner-occupancy rate of 88% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In The Highlands, 72% of homes are primarily heated with electricity.
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.
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 | $288,900 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 88% |
| 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)