Home Insurance in Manhattan, Kansas
With a median home value of $246,700, Manhattan is close to the Riley County median.
The typical home in Manhattan was built around 1983. 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, in line with Riley County (21%).
The housing stock in Manhattan is 56% single-family homes, 31% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Manhattan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Manhattan has an owner-occupancy rate of 43% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
56% of homes in Manhattan are primarily heated with natural gas.
Riley County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Riley County had 364 active NFIP flood policies as of September 2026. See the full Riley 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 | $246,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Riley County | 364 |
| 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)