Home Insurance in Mulvane, Kansas
The median home value in Mulvane is $176,300, 13% lower than the Sedgwick County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mulvane was built around 1980. About 25% of homes were built before 1960, about 7 points below Sedgwick County's 32%.
The housing stock in Mulvane is 83% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Mulvane, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Mulvane are owner-occupied.
77% of homes in Mulvane 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 | $176,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)