Home Insurance in Rice County, Kansas
Homes in Rice County carry a median value of $104,600 - 52% lower than the Kansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rice County was built around 1953. About 60% of homes were built before 1960, about 28 points above Kansas's 32%.
Housing in Rice County breaks down to 88% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 46% of owner-occupied homes in Rice County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rice County has an owner-occupancy rate of 77% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
67% of homes in Rice County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Rice County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate).
As of September 2026, Rice County has 36 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $104,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 36 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)