Home Insurance in Gaylord, Kansas
The median home value in Gaylord is $63,300, 33% lower than the Smith County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gaylord was built around 1940. About 55% of homes were built before 1960, about 2 points below Smith County's 56%.
In Gaylord, the housing stock is 82% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
8% of owner-occupied homes in Gaylord carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Gaylord are owner-occupied.
Most homes in Gaylord - 81% - 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.
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 | $63,300 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)