Home Insurance in Seward, Kansas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Seward was built around 1963. About 40% of homes were built before 1960, about 21 points below Stafford County's 61%.
The housing stock in Seward is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Seward carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Seward are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 82% of homes in Seward are primarily heated with propane.
What's the biggest home insurance risk near Seward? FEMA's National Risk Index points to hail (Relatively Moderate) in Stafford County and Stafford County had 1 active NFIP flood policy as of September 2026. See the full Stafford 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 year built | 1963 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)