Home Insurance in Mahaska, Kansas
The median home in Mahaska was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 89% of homes were built before 1960, about 30 points above Washington County's 60%.
Housing in Mahaska breaks down to 71% single-family homes and 29% apartments in buildings with 5+ units.
42% of owner-occupied homes in Mahaska carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Mahaska are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mahaska - 81% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)