Home Insurance in Mount Hope, Kansas
Homes in Mount Hope carry a median value of $152,200 - 25% lower 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 Mount Hope was built around 1953. About 56% of homes were built before 1960, about 24 points above Sedgwick County's 32%.
The housing stock in Mount Hope is 93% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 62% of owner-occupied homes in Mount Hope have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Mount Hope are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mount Hope - 85% - 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 | $152,200 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)