Home Insurance in Trego County, Kansas
With a median home value of $120,900, Trego County is 44% lower than the Kansas median.
The typical home in Trego County was built around 1963. About 46% of homes were built before 1960, about 13 points above Kansas's 32%. 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 Trego County is 90% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
34% of owner-occupied homes in Trego County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Trego County has an owner-occupancy rate of 82% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 53% of homes in Trego County are primarily heated with natural gas.
The top hazards for Trego County, per FEMA's National Risk Index, are hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low).
Trego County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $120,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)