Home Insurance in Kansas, Oklahoma
Homes in Kansas carry a median value of $77,500 - 56% lower than the Delaware County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kansas was built around 1988. About 6% of homes were built before 1960, about 5 points below Delaware County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kansas is 46% single-family homes and 52% mobile or manufactured homes.
In Kansas, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kansas has an owner-occupancy rate of 89% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Kansas are primarily heated with propane.
What's the biggest home insurance risk near Kansas? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Delaware County and Delaware County had 100 active NFIP flood policies as of September 2026. See the full Delaware 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 Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $77,500 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Delaware County | 100 |
| Home insurance premium | $2,486 - 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)