Home Insurance in Bel Aire, Kansas
The median home value in Bel Aire is $238,100, 17% higher than the Sedgwick County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bel Aire was built around 1996. About 5% of homes were built before 1960, about 27 points below Sedgwick County's 32%.
Housing in Bel Aire breaks down to 93% single-family homes and 4% apartments in buildings with 5+ units.
65% of owner-occupied homes in Bel Aire carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bel Aire has an owner-occupancy rate of 82% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
69% of homes in Bel Aire are primarily heated with natural gas.
What's the biggest home insurance risk near Bel Aire? 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.
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 | $238,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)