Home Insurance in Haddam, Kansas
With a median home value of $46,300, Haddam is 60% lower than the Washington County median.
The median home in Haddam was built in 1939 or earlier. About 81% of homes were built before 1960, about 21 points above Washington County's 60%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Haddam is 96% single-family homes and 4% mobile or manufactured homes.
In Haddam, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Haddam has an owner-occupancy rate of 91% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Most homes in Haddam - 81% - are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Very Low, led by hail (Relatively Moderate). Washington County had 5 active NFIP flood policies as of September 2026. See the full Washington 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 | $46,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Washington County | 5 |
| 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)