Home Insurance in Geuda Springs, Kansas
The median home value in Geuda Springs is $86,300, 36% lower than the Sumner County median.
The typical home in Geuda Springs was built around 1987. About 18% of homes were built before 1960, about 31 points below Sumner County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Geuda Springs is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Geuda Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Geuda Springs has an owner-occupancy rate of 91% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
61% of homes in Geuda Springs are primarily heated with natural gas.
FEMA rates Sumner County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $86,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)