Home Insurance in Stafford County, Kansas
Homes in Stafford County carry a median value of $97,600 - 55% lower than the Kansas median.
The typical home in Stafford County was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 29 points above Kansas's 32%.
The housing stock in Stafford County is 93% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Stafford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stafford County has an owner-occupancy rate of 82% and a vacancy rate of 25%; 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 Stafford County, 56% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Low) as the leading hazards for Stafford County.
Stafford County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $97,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| 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)