Home Insurance in St. John, Kansas
The median home value in St. John is $94,600, close to the Stafford County median.
The typical home in St. John was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 12 points above Stafford County's 61%.
In St. John, the housing stock is 96% single-family homes and 2% mobile or manufactured homes.
In St. John, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in St. John are owner-occupied.
In St. John, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near St. John? 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.
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 | $94,600 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)