Home Insurance in Smith Center, Kansas
The median home value in Smith Center is $90,400, close to the Smith County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Smith Center was built around 1957. About 55% of homes were built before 1960, about 1 point below Smith County's 56%.
In Smith Center, the housing stock is 87% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 45% of owner-occupied homes in Smith Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Smith Center are owner-occupied.
78% of homes in Smith Center are primarily heated with natural gas.
What's the biggest home insurance risk near Smith Center? FEMA's National Risk Index points to hail (Relatively High) in Smith County and 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 | $90,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)