Home Insurance in Andale, Kansas
With a median home value of $253,400, Andale is 25% higher than the Sedgwick County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Andale was built around 1979. About 33% of homes were built before 1960, in line with Sedgwick County (32%).
The housing stock in Andale is 99% single-family homes.
About 75% of owner-occupied homes in Andale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Andale are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Andale - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Andale? FEMA's National Risk Index points to tornado (Very High) in Sedgwick County and Sedgwick County had 956 active NFIP flood policies as of September 2026. See the full Sedgwick 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 | $253,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Sedgwick County | 956 |
| 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)