Home Insurance in Eskridge, Kansas
With a median home value of $82,100, Eskridge is 54% lower than the Wabaunsee County median.
The typical home in Eskridge was built around 1946. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 14 points above Wabaunsee County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eskridge is 81% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
34% of owner-occupied homes in Eskridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eskridge has an owner-occupancy rate of 76% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Eskridge, 70% of homes are primarily heated with natural gas.
Wabaunsee County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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 | $82,100 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)