Home Insurance in Selden, Kansas
The median home value in Selden is $101,500, 39% lower than the Sheridan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Selden was built in 1939 or earlier. About 61% of homes were built before 1960, about 21 points above Sheridan County's 40%.
Housing in Selden breaks down to 98% single-family homes and 2% mobile or manufactured homes.
In Selden, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Selden has an owner-occupancy rate of 73% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Selden - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Selden? FEMA's National Risk Index points to hail (Relatively Moderate) in Sheridan County and Sheridan County had 12 active NFIP flood policies as of September 2026. See the full Sheridan 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 | $101,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sheridan County | 12 |
| 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)