Home Insurance in Riley County, Kansas
Homes in Riley County carry a median value of $237,100 - 9% higher than the Kansas median.
The typical home in Riley County was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 12 points below Kansas's 32%.
The housing stock in Riley County is 60% single-family homes, 25% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Riley County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Riley County has an owner-occupancy rate of 46% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Riley County - 50% - 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 Riley County, per FEMA's National Risk Index, are winter weather (Relatively High), wildfire (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Riley County has 364 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 | $237,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 364 |
| 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)