Home Insurance in Cuba, Kansas
With a median home value of $44,700, Cuba is 41% lower than the Republic County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Cuba was built in 1939 or earlier. About 89% of homes were built before 1960, about 23 points above Republic County's 65%.
The housing stock in Cuba is 97% single-family homes and 3% mobile or manufactured homes.
About 15% of owner-occupied homes in Cuba have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Cuba are owner-occupied.
91% of homes in Cuba are primarily heated with natural gas.
What's the biggest home insurance risk near Cuba? 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 | $44,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)