Home Insurance in Hanover, Kansas
With a median home value of $110,400, Hanover is 6% lower than the Washington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hanover was built around 1955. About 55% of homes were built before 1960, about 4 points below Washington County's 60%.
The housing stock in Hanover is 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Hanover, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hanover has an owner-occupancy rate of 87% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
76% of homes in Hanover are primarily heated with natural gas.
What's the biggest home insurance risk near Hanover? FEMA's National Risk Index points to hail (Relatively Moderate) in Washington County and 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.
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 | $110,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 87% |
| 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)