Home Insurance in Palco, Kansas
With a median home value of $75,500, Palco is 15% lower than the Rooks County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Palco was built around 1951. About 72% of homes were built before 1960, about 9 points above Rooks County's 64%.
The housing stock in Palco is 92% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 49% of owner-occupied homes in Palco have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Palco has an owner-occupancy rate of 77% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Palco - 79% - are primarily heated with natural gas.
Rooks County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Rooks County had 3 active NFIP flood policies as of September 2026. See the full Rooks County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $75,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)