Home Insurance in Republic, Kansas
The median home in Republic was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 78% of homes were built before 1960, about 13 points above Republic County's 65%.
The housing stock in Republic is 94% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
14% of owner-occupied homes in Republic carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Republic has an owner-occupancy rate of 93% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Republic - 92% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Republic? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)