Home Insurance in New Cambria, Kansas
With a median home value of $114,300, New Cambria is 36% lower than the Saline County median.
The typical home in New Cambria was built around 1980. About 23% of homes were built before 1960, about 20 points below Saline County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In New Cambria, the housing stock is 70% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in New Cambria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in New Cambria are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in New Cambria - 88% - are primarily heated with propane.
Saline County had 218 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $114,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)