Home Insurance in Sheridan County, Kansas
The median home value in Sheridan County is $167,200, 23% lower than the Kansas median.
The typical home in Sheridan County was built around 1969. About 40% of homes were built before 1960, about 8 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sheridan County is 91% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Sheridan County, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sheridan County has an owner-occupancy rate of 77% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Sheridan County - 57% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Sheridan County's top hazards are hail (Relatively Moderate), strong wind (Relatively Low) and winter weather (Relatively Low).
Sheridan County had 12 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $167,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)