Home Insurance in Buffalo, Kansas
Homes in Buffalo carry a median value of $36,000 - 61% lower than the Wilson County median.
The median home in Buffalo was built in 1939 or earlier. About 58% of homes were built before 1960, about 11 points above Wilson County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Buffalo is 85% single-family homes and 15% mobile or manufactured homes.
27% of owner-occupied homes in Buffalo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Buffalo has an owner-occupancy rate of 97% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Buffalo - 83% - are primarily heated with natural gas.
Wilson County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Wilson County had 40 active NFIP flood policies as of September 2026. See the full Wilson 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 | $36,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)