Home Insurance in Courtland, Kansas
Homes in Courtland carry a median value of $83,300 - 10% higher than the Republic County median.
The typical home in Courtland was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 15 points below Republic County's 65%.
Housing in Courtland breaks down to 93% single-family homes and 7% apartments in buildings with 5+ units.
38% of owner-occupied homes in Courtland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Courtland has an owner-occupancy rate of 73% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Courtland, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Courtland? FEMA's National Risk Index points to hail (Relatively Moderate) in Republic County and Republic County had 15 active NFIP flood policies as of September 2026. See the full Republic 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 | $83,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Republic County | 15 |
| 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)