Home Insurance in Wichita County, Kansas
Homes in Wichita County carry a median value of $99,300 - 54% lower than the Kansas median.
The typical home in Wichita County was built around 1966. About 42% of homes were built before 1960, about 9 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wichita County, the housing stock is 81% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Wichita County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wichita County has an owner-occupancy rate of 78% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Wichita County - 77% - 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.
The top hazards for Wichita County, per FEMA's National Risk Index, are hail (Relatively Moderate), winter weather (Relatively Low) and tornado (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Wichita County has no active NFIP flood policies on file.
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 | $99,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Low), Tornado (Very Low) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)