Home Insurance in Stevens County, Kansas
Homes in Stevens County carry a median value of $129,300 - 40% lower than the Kansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Stevens County was built around 1974. About 30% of homes were built before 1960, about 2 points below Kansas's 32%.
The housing stock in Stevens County is 70% single-family homes, 1% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Stevens County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Stevens County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stevens County - 75% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Stevens County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Stevens County has no active NFIP flood policies on file.
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 | $129,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)