Home Insurance in Plainville, Kansas
The median home value in Plainville is $82,500, 7% lower than the Rooks County median.
The typical home in Plainville was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, in line with Rooks County (64%).
The housing stock in Plainville is 86% single-family homes, 6% 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.
In Plainville, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Plainville are owner-occupied.
Most homes in Plainville - 82% - 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 | $82,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)