Home Insurance in Park City, Kansas
Homes in Park City carry a median value of $177,100 - 13% lower than the Sedgwick County median.
The typical home in Park City was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 11 points below Sedgwick County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Park City is 82% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 72% of owner-occupied homes in Park City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Park City are owner-occupied.
Most homes in Park City - 83% - 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.
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 | $177,100 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)