Home Insurance in Zurich, Kansas
With a median home value of $52,100, Zurich is 41% lower than the Rooks County median.
The typical home in Zurich was built around 1942. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 68% of homes were built before 1960, about 4 points above Rooks County's 64%.
In Zurich, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Zurich carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Zurich are owner-occupied.
Most homes in Zurich - 81% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $52,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)