Home Insurance in Assaria, Kansas
The median home value in Assaria is $151,000, 16% lower than the Saline County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Assaria was built around 1949. About 61% of homes were built before 1960, about 18 points above Saline County's 44%.
The housing stock in Assaria is 73% single-family homes. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Assaria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Assaria has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Assaria, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Assaria? FEMA's National Risk Index points to winter weather (Relatively High) in Saline County and Saline County had 218 active NFIP flood policies as of September 2026. See the full Saline County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $151,000 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Saline County | 218 |
| 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)