Home Insurance in Sherman County, Kansas
Homes in Sherman County carry a median value of $136,700 - 37% lower than the Kansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sherman County was built around 1967. About 44% of homes were built before 1960, about 11 points above Kansas's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sherman County is 84% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Sherman County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Sherman County are owner-occupied.
Most homes in Sherman County - 75% - 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.
The top hazards for Sherman County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Moderate).
As of September 2026, Sherman County has 5 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $136,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)