Home Insurance in Bushton, Kansas
Homes in Bushton carry a median value of $47,300 - 55% lower than the Rice County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bushton was built around 1948. About 96% of homes were built before 1960, about 35 points above Rice County's 60%.
The housing stock in Bushton is 99% single-family homes and 1% apartments in buildings with 5+ units.
31% of owner-occupied homes in Bushton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Bushton are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bushton, 95% of homes are primarily heated with natural gas.
FEMA rates Rice County's overall risk as Very Low, led by hail (Relatively Moderate). Rice County had 36 active NFIP flood policies as of September 2026. See the full Rice 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 | $47,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rice County | 36 |
| 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)