Home Insurance in Willard, Kansas
The typical home in Willard was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 25 points above Shawnee County's 32%.
The housing stock in Willard is 63% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
18% of owner-occupied homes in Willard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Willard are owner-occupied.
94% of homes in Willard are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Willard? 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 year built | 1956 |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)