Home Insurance in WaKeeney, Kansas
With a median home value of $125,200, WaKeeney is close to the Trego County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in WaKeeney was built around 1963. About 46% of homes were built before 1960, in line with Trego County (46%).
Housing in WaKeeney breaks down to 88% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in WaKeeney have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in WaKeeney are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In WaKeeney, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near WaKeeney? FEMA's National Risk Index points to hail (Relatively Low) in Trego County and Trego County has no active NFIP flood policies on file. See the full Trego 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 home value | $125,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Low) |
| 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)