Home Insurance in Edwardsville, Kansas
The median home value in Edwardsville is $216,400, 26% higher than the Wyandotte County median.
The typical home in Edwardsville was built around 1982. About 25% of homes were built before 1960, about 22 points below Wyandotte County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Edwardsville, the housing stock is 69% single-family homes, 15% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Edwardsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Edwardsville are owner-occupied.
59% of homes in Edwardsville 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.
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 | $216,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)