Home Insurance in Colwich, Kansas
The median home value in Colwich is $221,500, 9% higher than the Sedgwick County median.
The typical home in Colwich was built around 1975. About 38% of homes were built before 1960, about 6 points above Sedgwick County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Colwich, the housing stock is 98% single-family homes.
About 59% of owner-occupied homes in Colwich have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Colwich are owner-occupied.
88% of homes in Colwich are primarily heated with natural gas.
Sedgwick County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $221,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)