Home Insurance in Seward County, Kansas
With a median home value of $136,500, Seward County is 37% lower than the Kansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Seward County was built around 1973. About 27% of homes were built before 1960, about 5 points below Kansas's 32%.
The housing stock in Seward County is 69% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Seward County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Seward County are owner-occupied.
Most homes in Seward County - 76% - are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Seward County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Seward County has 45 active NFIP flood policies on file.
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 | $136,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 45 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)