Home Insurance in Silver Lake, Kansas
With a median home value of $169,300, Silver Lake is 6% lower than the Shawnee County median.
The typical home in Silver Lake was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 2 points below Shawnee County's 32%.
Housing in Silver Lake breaks down to 80% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
52% of owner-occupied homes in Silver Lake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Silver Lake are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Silver Lake are primarily heated with natural gas.
What's the biggest home insurance risk near Silver Lake? FEMA's National Risk Index points to winter weather (Very High) in Shawnee County and Shawnee County had 776 active NFIP flood policies as of September 2026. See the full Shawnee 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 | $169,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)