Home Insurance in Bison, Kansas
Homes in Bison carry a median value of $52,700 - 37% lower than the Rush County median.
The median home in Bison was built in 1939 or earlier. About 85% of homes were built before 1960, about 19 points above Rush County's 66%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Bison breaks down to 100% single-family homes.
In Bison, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Bison are owner-occupied.
97% of homes in Bison are primarily heated with natural gas.
Rush County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Rush 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 | $52,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Rush County | 8 |
| 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)