Home Insurance in Damar, Kansas
Homes in Damar carry a median value of $49,800 - 44% lower than the Rooks County median.
The typical home in Damar was built around 1942. About 82% of homes were built before 1960, about 19 points above Rooks County's 64%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Damar is 92% single-family homes and 8% mobile or manufactured homes.
In Damar, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Damar has an owner-occupancy rate of 72% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
94% of homes in Damar are primarily heated with natural gas.
Rooks County had 3 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Rooks 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 | $49,800 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rooks County | 3 |
| 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)