Home Insurance in Athol, Kansas
The median home value in Athol is $68,600, 27% lower than the Smith County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Athol was built in 1939 or earlier. About 88% of homes were built before 1960, about 31 points above Smith County's 56%.
The housing stock in Athol is 100% single-family homes.
Almost no owner-occupied homes in Athol carry a mortgage.
Athol has an owner-occupancy rate of 100% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Athol - 70% - 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.
Smith County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Smith County has no active NFIP flood policies on file. See the full Smith 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 | $68,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively High) |
| 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)