Home Insurance in Topeka, Kansas
The median home value in Topeka is $144,200, 20% lower than the Shawnee County median.
The typical home in Topeka was built around 1967. About 39% of homes were built before 1960, about 7 points above Shawnee County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Topeka, the housing stock is 69% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Topeka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Topeka are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Topeka, 71% of homes are primarily heated with natural gas.
FEMA rates Shawnee County's overall risk as Relatively Moderate, led by winter weather (Very High). 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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $144,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)