Home Insurance in Narka, Kansas
The typical home in Narka was built around 1944. About 59% of homes were built before 1960, about 7 points below Republic County's 65%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Narka, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 12% of owner-occupied homes in Narka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Narka are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Narka, 89% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Narka? 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 year built | 1944 |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)