Home Insurance in Johnson City, Kansas
With a median home value of $65,200, Johnson City is close to the Stanton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Johnson City was built around 1969. About 34% of homes were built before 1960, about 3 points below Stanton County's 37%.
The housing stock in Johnson City is 71% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Johnson City, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Johnson City has an owner-occupancy rate of 76% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
82% of homes in Johnson City 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.
Stanton County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Stanton County has no active NFIP flood policies on file. See the full Stanton County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $65,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Low) |
| 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)