Home Insurance in Wyandotte County, Kansas
With a median home value of $172,300, Wyandotte County is 21% lower than the Kansas median.
The typical home in Wyandotte County was built around 1962. About 47% of homes were built before 1960, about 14 points above Kansas's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Wyandotte County is 78% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Wyandotte County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Wyandotte County are owner-occupied.
67% of homes in Wyandotte County are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Very High), winter weather (Very High) and tornado (Relatively High) as the leading hazards for Wyandotte County.
As of September 2026, Wyandotte County has 182 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $172,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Winter Weather (Very High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 182 |
| 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)