Home Insurance in Auburn, Kansas
With a median home value of $151,200, Auburn is 16% lower than the Shawnee County median.
The typical home in Auburn was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 27 points below Shawnee County's 32%.
In Auburn, the housing stock is 67% 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 Auburn, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Auburn has an owner-occupancy rate of 54% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
57% of homes in Auburn are primarily heated with natural gas.
Shawnee County had 776 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Shawnee 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 | $151,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Shawnee County | 776 |
| 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)