Home Insurance in Paxico, Kansas
With a median home value of $129,500, Paxico is 27% lower than the Wabaunsee County median.
The typical home in Paxico was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 15 points below Wabaunsee County's 47%.
In Paxico, the housing stock is 87% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Paxico, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Paxico has an owner-occupancy rate of 96% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Paxico - 66% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Paxico? 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 | $129,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)