Home Insurance in Clearwater, Kansas
Homes in Clearwater carry a median value of $216,200 - 6% higher than the Sedgwick County median.
The typical home in Clearwater was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 6 points below Sedgwick County's 32%.
In Clearwater, the housing stock is 91% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
74% of owner-occupied homes in Clearwater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Clearwater are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clearwater - 74% - are primarily heated with natural gas.
Sedgwick County had 956 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $216,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)