Home Insurance in Bonner Springs, Kansas
The median home value in Bonner Springs is $247,200, 43% higher than the Wyandotte County median.
The typical home in Bonner Springs was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 14 points below Wyandotte County's 47%.
In Bonner Springs, the housing stock is 84% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Bonner Springs, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Bonner Springs are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bonner Springs - 73% - are primarily heated with natural gas.
Wyandotte County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Wyandotte County had 182 active NFIP flood policies as of September 2026. See the full Wyandotte 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 | $247,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Wyandotte County | 182 |
| 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)