Home Insurance in Stanton County, Kansas
Homes in Stanton County carry a median value of $67,800 - 69% lower than the Kansas median.
The typical home in Stanton County was built around 1968. About 37% of homes were built before 1960, about 5 points above Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Stanton County is 75% single-family homes, 1% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Stanton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stanton County has an owner-occupancy rate of 77% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Stanton County - 79% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Stanton County's top hazards are hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low).
Stanton County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $67,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| 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)