Home Insurance in South Haven, Kansas
With a median home value of $81,700, South Haven is 40% lower than the Sumner County median.
The typical home in South Haven was built around 1952. About 65% of homes were built before 1960, about 17 points above Sumner County's 48%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Haven is 77% single-family homes, 12% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
41% of owner-occupied homes in South Haven carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in South Haven are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in South Haven are primarily heated with natural gas.
What's the biggest home insurance risk near South Haven? FEMA's National Risk Index points to hail (Relatively Moderate) in Sumner County and 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 | $81,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)