Home Insurance in Timken, Kansas
The median home value in Timken is $67,000, 20% lower than the Rush County median.
The typical home in Timken was built around 1956. About 60% of homes were built before 1960, about 6 points below Rush County's 66%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Timken is 83% single-family homes and 17% mobile or manufactured homes.
Almost no owner-occupied homes in Timken carry a mortgage.
The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Timken are owner-occupied.
Most homes in Timken - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Timken? 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.
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 | $67,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)