Home Insurance in Hunnewell, Kansas
The typical home in Hunnewell was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 22 points above Sumner County's 48%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hunnewell is 85% single-family homes and 15% mobile or manufactured homes.
About 45% of owner-occupied homes in Hunnewell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Hunnewell are owner-occupied.
Most homes in Hunnewell - 95% - are primarily heated with natural gas.
Sumner County had 113 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Sumner 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 year built | 1954 |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)