Home Insurance in Palmer, Kansas
With a median home value of $133,300, Palmer is 14% higher than the Washington County median.
The typical home in Palmer was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 10 points below Washington County's 60%.
In Palmer, the housing stock is 68% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 22% of owner-occupied homes in Palmer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Palmer has an owner-occupancy rate of 64% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Palmer, 66% of homes are primarily heated with natural gas.
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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $133,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)