Home Insurance in Derby, Kansas
With a median home value of $236,900, Derby is 17% higher than the Sedgwick County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Derby was built around 1991. About 16% of homes were built before 1960, about 16 points below Sedgwick County's 32%.
The housing stock in Derby is 78% single-family homes and 17% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Derby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Derby are owner-occupied.
Most homes in Derby - 67% - are primarily heated with natural gas.
FEMA rates Sedgwick County's overall risk as Relatively High, led by tornado (Very High). 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 | $236,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)