Home Insurance in McFarland, Kansas
With a median home value of $93,800, McFarland is 47% lower than the Wabaunsee County median.
The typical home in McFarland was built around 1974. About 44% of homes were built before 1960, about 3 points below Wabaunsee County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in McFarland is 79% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in McFarland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in McFarland are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In McFarland, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near McFarland? FEMA's National Risk Index points to wildfire (Relatively Low) in Wabaunsee County and 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.
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 | $93,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)