Home Insurance in Riley, Kansas
Homes in Riley carry a median value of $163,100 - 31% lower than the Riley County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Riley was built around 1967. About 42% of homes were built before 1960, about 21 points above Riley County's 21%.
In Riley, the housing stock is 95% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
61% of owner-occupied homes in Riley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Riley are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Riley are primarily heated with propane.
What's the biggest home insurance risk near Riley? FEMA's National Risk Index points to winter weather (Relatively High) in Riley County and 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 | $163,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)