Home Insurance in Rexford, Kansas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rexford was built around 1955. About 56% of homes were built before 1960, about 15 points above Thomas County's 41%.
The housing stock in Rexford is 81% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rexford, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rexford has an owner-occupancy rate of 82% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Rexford - 82% - are primarily heated with natural gas.
FEMA rates Thomas County's overall risk as Very Low, led by hail (Relatively Moderate). Thomas County had 17 active NFIP flood policies as of September 2026. See the full Thomas 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 | 1955 |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Thomas County | 17 |
| 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)