Home Insurance in Benedict, Kansas
Homes in Benedict carry a median value of $24,300 - 74% lower than the Wilson 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 Benedict was built around 1941. About 76% of homes were built before 1960, about 29 points above Wilson County's 47%.
In Benedict, the housing stock is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Benedict, about 14% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Benedict are owner-occupied.
Most homes in Benedict - 52% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wilson County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Wilson 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 | $24,300 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Wilson County | 40 |
| 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)