Home Insurance in Stafford, Kansas
With a median home value of $70,700, Stafford is 28% lower than the Stafford County median.
The typical home in Stafford was built around 1952. About 59% of homes were built before 1960, about 2 points below Stafford County's 61%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stafford is 85% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
41% of owner-occupied homes in Stafford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Stafford are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Stafford, 90% of homes are primarily heated with natural gas.
Stafford County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 home value | $70,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)