Home Insurance in Fredonia, Kansas
With a median home value of $76,000, Fredonia is 19% lower than the Wilson County median.
The typical home in Fredonia was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 2 points above Wilson County's 47%.
In Fredonia, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
56% of owner-occupied homes in Fredonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Fredonia are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fredonia - 77% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fredonia? FEMA's National Risk Index points to wildfire (Very Low) in Wilson County and 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 | $76,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)