Home Insurance in Kansas City, Kansas
With a median home value of $167,400, Kansas City is close to the Wyandotte County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kansas City was built around 1961. About 48% of homes were built before 1960, about 1 point above Wyandotte County's 47%.
The housing stock in Kansas City is 77% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
53% of owner-occupied homes in Kansas City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kansas City has an owner-occupancy rate of 61% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Kansas City, 67% of homes are primarily heated with natural gas.
FEMA rates Wyandotte County's overall risk as Relatively Moderate, led by strong wind (Very High). 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 | $167,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)