Home Insurance in Sterling, Kansas
With a median home value of $133,000, Sterling is 27% higher than the Rice County median.
The typical home in Sterling was built around 1955. About 56% of homes were built before 1960, about 4 points below Rice County's 60%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Sterling is 90% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
46% of owner-occupied homes in Sterling carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Sterling are owner-occupied.
84% of homes in Sterling 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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $133,000 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)