Home Insurance in Radium, Kansas
With a median home value of $26,300, Radium is 73% lower than the Stafford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Radium was built in 1939 or earlier. About 100% of homes were built before 1960, about 39 points above Stafford County's 61%.
In Radium, the housing stock is 100% single-family homes.
In Radium, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Radium has an owner-occupancy rate of 89% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Radium, 100% of homes 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.
Stafford County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Stafford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $26,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Stafford County | 1 |
| 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)