Home Insurance in Washington, Kansas
Homes in Washington carry a median value of $101,100 - 14% lower than the Washington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Washington was built around 1951. About 67% of homes were built before 1960, about 8 points above Washington County's 60%.
In Washington, the housing stock is 88% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Washington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Washington are owner-occupied.
In Washington, 83% of homes 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.
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 | $101,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)