Home Insurance in Saline County, Kansas
The median home value in Saline County is $179,600, 17% lower than the Kansas median.
The typical home in Saline County was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 11 points above Kansas's 32%.
The housing stock in Saline County is 82% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
55% of owner-occupied homes in Saline County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Saline County has an owner-occupancy rate of 67% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Saline County - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively High), tornado (Relatively High) and hail (Relatively Moderate) as the leading hazards for Saline County.
As of September 2026, Saline County has 218 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $179,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Tornado (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 218 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)