Home Insurance in Otis, Kansas
The median home value in Otis is $64,700, 23% lower than the Rush County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Otis was built in 1939 or earlier. About 82% of homes were built before 1960, about 16 points above Rush County's 66%.
In Otis, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Otis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Otis has an owner-occupancy rate of 86% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
94% of homes in Otis are primarily heated with natural gas.
Rush County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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 | $64,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)