Home Insurance in Scandia, Kansas
With a median home value of $68,800, Scandia is 9% lower than the Republic County median.
The typical home in Scandia was built around 1948. About 67% of homes were built before 1960, about 2 points above Republic County's 65%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Scandia breaks down to 91% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Scandia, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scandia has an owner-occupancy rate of 55% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Scandia, 74% of homes are primarily heated with natural gas.
Republic County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 home value | $68,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)