Home Insurance in Smith County, Kansas
The median home value in Smith County is $94,100, 57% lower than the Kansas median.
The typical home in Smith County was built around 1954. About 56% of homes were built before 1960, about 24 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Smith County is 89% single-family homes, 2% 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.
In Smith County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Smith County has an owner-occupancy rate of 85% and a vacancy rate of 22%; 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. In Smith County, 62% of homes are primarily heated with natural gas.
The top hazards for Smith County, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Smith County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 home value | $94,100 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| 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)