Home Insurance in Kansas City, Missouri
With a median home value of $242,900, Kansas City is 5% higher than the Jackson 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 1969. About 40% of homes were built before 1960, about 3 points above Jackson County's 36%.
Housing in Kansas City breaks down to 66% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 63% of owner-occupied homes in Kansas City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in Kansas City are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kansas City, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Kansas City? FEMA's National Risk Index points to tornado (Very High) in Jackson County and Jackson County had 888 active NFIP flood policies as of September 2026. See the full Jackson 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 Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $242,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jackson County | 888 |
| Home insurance premium | $1,589 - 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)