Home Insurance in Goddard, Kansas
The median home value in Goddard is $242,800, 19% higher than the Sedgwick County median.
The typical home in Goddard was built around 2005. About 7% of homes were built before 1960, about 25 points below Sedgwick County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Goddard is 92% single-family homes and 5% apartments in buildings with 5+ units.
79% of owner-occupied homes in Goddard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Goddard are owner-occupied.
Most homes in Goddard - 75% - 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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $242,800 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)