Home Insurance in Oxford, Kansas
The median home value in Oxford is $117,200, 13% lower than the Sumner County median.
The typical home in Oxford was built around 1952. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 66% of homes were built before 1960, about 18 points above Sumner County's 48%.
In Oxford, the housing stock is 96% single-family homes.
47% of owner-occupied homes in Oxford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oxford has an owner-occupancy rate of 70% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Oxford, 88% of homes 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 | $117,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)