Home Insurance in Toronto, Kansas
The median home value in Toronto is $33,400, 59% lower than the Woodson County median.
The typical home in Toronto was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 1 point below Woodson County's 48%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Toronto is 80% single-family homes, 1% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
8% of owner-occupied homes in Toronto carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Toronto are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 81% of homes in Toronto are primarily heated with natural gas.
FEMA rates Woodson County's overall risk as Very Low, led by wildfire (Relatively Low). Woodson County had 2 active NFIP flood policies as of September 2026. See the full Woodson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $33,400 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Woodson County | 2 |
| 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)