Home Insurance in Alta Vista, Kansas
With a median home value of $85,000, Alta Vista is 52% lower than the Wabaunsee County median.
The median home in Alta Vista was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 21 points above Wabaunsee County's 47%.
Housing in Alta Vista breaks down to 93% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 48% of owner-occupied homes in Alta Vista have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Alta Vista are owner-occupied.
Most homes in Alta Vista - 74% - are primarily heated with natural gas.
FEMA rates Wabaunsee County's overall risk as Very Low, led by wildfire (Relatively Low). Wabaunsee County had 23 active NFIP flood policies as of September 2026. See the full Wabaunsee 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 | $85,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Wabaunsee County | 23 |
| 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)