Home Insurance in Sedgwick County, Kansas
Homes in Sedgwick County carry a median value of $203,300 - 6% lower than the Kansas median.
The typical home in Sedgwick County was built around 1978. About 32% of homes were built before 1960, in line with Kansas (32%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sedgwick County is 74% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sedgwick County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Sedgwick County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sedgwick County - 67% - are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Very High), hail (Relatively High) and winter weather (Very High) as the leading hazards for Sedgwick County.
Sedgwick County had 956 active National Flood Insurance Program policies as of September 2026. 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 | $203,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Tornado (Very High), Hail (Relatively High), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 956 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andale
- Bel Aire
- Bentley
- Clearwater
- Colwich
- Derby
- Eastborough
- Garden Plain
- Goddard
- Haysville
- Maize
- Mount Hope
- Mulvane
- Park City
- Wichita
Smaller communities
-
Cheney
- Median home value: $167,900
- Median year built: 1977
- Owner-occupied share: 78%
-
Kechi
- Median home value: $288,300
- Median year built: 1997
- Owner-occupied share: 84%
-
Valley Center
- Median home value: $227,700
- Median year built: 1981
- Owner-occupied share: 72%
-
Viola
- Median home value: $182,500
- Median year built: 1983
- Owner-occupied share: 96%
Sources
- 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)