HomeInsuranceQts

Home Insurance in Hugoton, Kansas

With a median home value of $120,900, Hugoton is 6% lower than the Stevens County median.

The typical home in Hugoton was built around 1971. About 33% of homes were built before 1960, about 3 points above Stevens County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Hugoton is 72% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Hugoton, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Hugoton has an owner-occupancy rate of 72% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.

85% of homes in Hugoton are primarily heated with natural gas.

FEMA rates Stevens County's overall risk as Very Low, led by wildfire (Relatively Low). Stevens County has no active NFIP flood policies on file. See the full Stevens 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$120,900
Median year built1971
Owner-occupied share72%
Share of owner-occupied homes with a mortgage42%
Top county hazardWildfire (Relatively Low)
Home insurance premium$1,733 - statewide average (NAIC, 2023 data)
Key home insurance figures for Hugoton, KS

Nearby towns

Sources

Data last updated: 2026-09-29