Home Insurance in McCracken, Kansas
The median home value in McCracken is $44,300, 47% lower than the Rush County median.
The median home in McCracken was built in 1939 or earlier. About 97% of homes were built before 1960, about 31 points above Rush County's 66%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in McCracken breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 24% of owner-occupied homes in McCracken have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in McCracken are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in McCracken are primarily heated with natural gas.
What's the biggest home insurance risk near McCracken? FEMA's National Risk Index points to hail (Relatively Low) in Rush County and Rush County had 8 active NFIP flood policies as of September 2026. See the full Rush 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 | $44,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)