Home Insurance in Belle Plaine, Kansas
With a median home value of $123,900, Belle Plaine is 8% lower than the Sumner County median.
The typical home in Belle Plaine was built around 1955. About 64% of homes were built before 1960, about 16 points above Sumner County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Belle Plaine, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Belle Plaine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Belle Plaine are owner-occupied.
83% of homes in Belle Plaine are primarily heated with natural gas.
Sumner County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Sumner County had 113 active NFIP flood policies as of September 2026. See the full Sumner 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 | $123,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sumner County | 113 |
| 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)