Home Insurance in Wabaunsee County, Kansas
The median home value in Wabaunsee County is $177,300, 18% lower than the Kansas median.
The typical home in Wabaunsee County was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 14 points above Kansas's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wabaunsee County is 91% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
51% of owner-occupied homes in Wabaunsee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wabaunsee County has an owner-occupancy rate of 81% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wabaunsee County, 36% of homes are primarily heated with propane.
Per FEMA's National Risk Index, Wabaunsee County's top hazards are wildfire (Relatively Low), winter weather (Relatively Low) and tornado (Relatively Low).
Wabaunsee County had 23 active National Flood Insurance Program policies as of September 2026. 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 | $177,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 23 |
| 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)