Home Insurance in Gypsum, Kansas
Homes in Gypsum carry a median value of $84,500 - 53% lower than the Saline County median.
The median home in Gypsum was built in 1939 or earlier. About 71% of homes were built before 1960, about 27 points above Saline County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Gypsum is 89% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Gypsum have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gypsum has an owner-occupancy rate of 76% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
74% of homes in Gypsum are primarily heated with natural gas.
Saline County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $84,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)