Kansas
Home insurance overview — 414 ZIP codes, 339 cities
Avg Premium (2025 Est.)
$2,645
+12.6% from 2022
Nonrenewal Rate
1.64%
5yr Storm Damage
$169.6M
Kansas Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Ingalls | 1 | $3,372 | 82 | Extreme |
| Plainville | 1 | $3,274 | 82 | Extreme |
| Leonardville | 1 | $2,564 | 81 | Extreme |
| Norwich | 1 | $2,665 | 81 | Extreme |
| Leon | 1 | $3,056 | 80 | High |
| Bucklin | 1 | $2,701 | 79 | High |
| Plains | 1 | $3,212 | 78 | High |
| Solomon | 1 | $2,837 | 77 | High |
| Andale | 1 | $3,529 | 76 | High |
| Maize | 1 | $3,139 | 76 | High |
| Conway Springs | 1 | $2,633 | 76 | High |
| Mount Hope | 1 | $3,160 | 75 | High |
| Fowler | 1 | $2,947 | 75 | High |
| Potwin | 1 | $2,677 | 75 | High |
| Macksville | 1 | $2,910 | 75 | High |
| Augusta | 1 | $2,956 | 75 | High |
| Woodruff | 1 | $2,913 | 74 | High |
| New Cambria | 1 | $2,788 | 74 | High |
| Smith Center | 1 | $2,732 | 74 | High |
| Madison | 1 | $2,485 | 74 | High |
| Ogden | 1 | $2,256 | 74 | High |
| Colwich | 1 | $3,295 | 74 | High |
| Kiowa | 1 | $2,936 | 74 | High |
| Logan | 1 | $2,387 | 74 | High |
| Stockton | 1 | $2,823 | 73 | High |
| Ada | 1 | $3,209 | 73 | High |
| Hill City | 1 | $2,599 | 73 | High |
| McConnell AFB | 1 | $2,893 | 73 | High |
| Spearville | 1 | $2,592 | 73 | High |
| Cheney | 1 | $3,529 | 73 | High |
| Benton | 1 | $3,214 | 73 | High |
| Douglass | 1 | $2,969 | 73 | High |
| Reading | 1 | $2,912 | 73 | High |
| Kechi | 1 | $3,156 | 73 | High |
| Hoxie | 1 | $2,973 | 72 | High |
| Andover | 1 | $3,317 | 72 | High |
| Jetmore | 1 | $2,672 | 72 | High |
| Towanda | 1 | $3,146 | 72 | High |
| El Dorado | 1 | $2,803 | 72 | High |
| Rose Hill | 1 | $3,461 | 71 | High |
| Minneola | 1 | $2,901 | 71 | High |
| Dodge City | 1 | $3,051 | 71 | High |
| Satanta | 1 | $2,812 | 71 | High |
| Goodland | 1 | $2,784 | 71 | High |
| White City | 1 | $2,543 | 70 | High |
| South Hutchinson | 1 | $2,497 | 70 | High |
| Riley | 1 | $2,485 | 70 | High |
| Oakley | 1 | $2,605 | 70 | High |
| Harper | 1 | $2,714 | 70 | High |
| Arma | 1 | $2,134 | 70 | High |
| Sedgwick | 1 | $2,918 | 70 | High |
| Goddard | 1 | $3,179 | 70 | High |
| Fall River | 1 | $1,983 | 69 | High |
| Beaver | 2 | $2,937 | 69 | High |
| Otis | 1 | $2,898 | 69 | High |
| Frontenac | 1 | $2,441 | 69 | High |
| Haysville | 1 | $2,861 | 69 | High |
| Little River | 1 | $2,352 | 69 | High |
| Ellinwood | 1 | $2,875 | 69 | High |
| Tonganoxie | 1 | $2,750 | 69 | High |
| Valley Center | 1 | $3,102 | 69 | High |
| Bennington | 1 | $3,208 | 68 | High |
| South Haven | 1 | $2,587 | 68 | High |
| Yoder | 1 | $2,554 | 68 | High |
| Strong City | 1 | $2,630 | 68 | High |
| Wright | 1 | $2,603 | 68 | High |
| Kensington | 1 | $2,475 | 68 | High |
| Buhler | 1 | $2,950 | 68 | High |
| Kinsley | 1 | $2,699 | 68 | High |
| Wakefield | 1 | $2,697 | 68 | High |
| Wichita | 24 | $3,090 | 68 | High |
| St. Francis | 1 | $2,278 | 68 | High |
| Sylvan Grove | 1 | $3,254 | 67 | High |
| Whitewater | 1 | $2,805 | 67 | High |
| Gridley | 1 | $2,603 | 67 | High |
| Haviland | 1 | $2,876 | 67 | High |
| Walton | 1 | $2,748 | 67 | High |
| Roseland | 1 | $2,235 | 67 | High |
| Kanopolis | 1 | $2,383 | 67 | High |
| St. John | 1 | $2,735 | 67 | High |
| Cherokee | 1 | $2,095 | 67 | High |
| Greeley County unified government (balance) | 1 | $2,450 | 67 | High |
| Caldwell | 1 | $2,539 | 67 | High |
| Cherryvale | 1 | $2,455 | 67 | High |
| Bentley | 1 | $2,315 | 67 | High |
| Eureka | 1 | $2,296 | 67 | High |
| Delia | 1 | $3,264 | 67 | High |
| Derby | 1 | $3,104 | 67 | High |
| Clearwater | 1 | $3,129 | 66 | High |
| Bonner Springs | 1 | $2,749 | 66 | High |
| Blue Rapids | 1 | $2,739 | 66 | High |
| Cottonwood Falls | 1 | $2,581 | 66 | High |
| Wellington | 1 | $2,407 | 66 | High |
| Greensburg | 1 | $2,602 | 66 | High |
| Thayer | 1 | $2,399 | 66 | High |
| Pretty Prairie | 1 | $3,067 | 66 | High |
| Easton | 1 | $2,955 | 66 | High |
| Mankato | 1 | $2,042 | 66 | High |
| Kismet | 1 | $2,801 | 66 | High |
| Sharon Springs | 1 | $2,592 | 66 | High |
| Russell | 1 | $2,759 | 66 | High |
| Ottawa | 1 | $2,551 | 65 | High |
| Medicine Lodge | 1 | $2,511 | 65 | High |
| Viola | 1 | $3,424 | 65 | High |
| Oberlin | 1 | $2,223 | 65 | High |
| Pratt | 1 | $2,809 | 65 | High |
| Arlington | 1 | $2,470 | 65 | High |
| Weir | 1 | $2,489 | 65 | High |
| Galena | 1 | $2,395 | 65 | High |
| Waterville | 1 | $2,994 | 65 | High |
| Cimarron | 1 | $3,022 | 65 | High |
| Arkansas City | 1 | $2,399 | 65 | High |
| Lyons | 1 | $2,494 | 65 | High |
| Valley Falls | 1 | $2,541 | 65 | High |
| Arcadia | 1 | $2,398 | 65 | High |
| Canton | 1 | $2,483 | 65 | High |
| Manhattan | 2 | $2,781 | 64 | High |
| Girard | 1 | $2,493 | 64 | High |
| Sterling | 1 | $2,493 | 64 | High |
| Norton | 1 | $2,654 | 64 | High |
| Montezuma | 1 | $2,690 | 64 | High |
| Richmond | 1 | $2,282 | 64 | High |
| Liberal | 1 | $2,825 | 64 | High |
| Leavenworth | 1 | $2,570 | 64 | High |
| Belle Plaine | 1 | $2,616 | 64 | High |
| Hays | 1 | $2,579 | 64 | High |
| Pleasanton | 1 | $2,332 | 64 | High |
| Anthony | 1 | $2,684 | 64 | High |
| Princeton | 1 | $2,365 | 64 | High |
| Riverton | 1 | $2,576 | 64 | High |
| Franklin | 1 | $2,531 | 64 | High |
| Assaria | 1 | $2,696 | 64 | High |
| Enterprise | 1 | $2,673 | 64 | High |
| Chapman | 1 | $2,946 | 63 | High |
| Columbus | 1 | $2,285 | 63 | High |
| Baxter Springs | 1 | $2,341 | 63 | High |
| Mapleton | 1 | $1,947 | 63 | High |
| Basehor | 1 | $2,855 | 63 | High |
| Oxford | 1 | $2,572 | 63 | High |
| Pomona | 1 | $2,529 | 63 | High |
| Lakin | 1 | $2,551 | 63 | High |
| Wakarusa | 1 | $2,840 | 63 | High |
| Neosho Rapids | 1 | $2,183 | 63 | High |
| McCune | 1 | $2,334 | 63 | High |
| Brookville | 1 | $2,835 | 63 | High |
| Ellis | 1 | $2,456 | 63 | High |
| Lane | 1 | $2,536 | 63 | High |
| Randolph | 1 | $2,395 | 63 | High |
| Argonia | 1 | $2,349 | 63 | High |
| Burrton | 1 | $2,388 | 63 | High |
| Colby | 1 | $2,462 | 63 | High |
| Wilson | 1 | $2,179 | 63 | High |
| Ulysses | 1 | $3,016 | 63 | High |
| Uniontown | 1 | $2,469 | 62 | High |
| Halstead | 1 | $2,684 | 62 | High |
| Mound City | 1 | $2,304 | 62 | High |
| Linwood | 1 | $2,929 | 62 | High |
| Lansing | 1 | $2,569 | 62 | High |
| North Newton | 1 | $2,724 | 62 | High |
| Garden City | 1 | $2,739 | 62 | High |
| Concordia | 1 | $2,446 | 62 | High |
| Cassoday | 1 | $2,013 | 62 | High |
| Kingman | 1 | $2,550 | 62 | High |
| Abilene | 1 | $2,628 | 62 | High |
| Winfield | 2 | $2,632 | 62 | High |
| Holcomb | 1 | $2,635 | 62 | High |
| Atwood | 1 | $2,145 | 62 | High |
| Great Bend | 1 | $2,699 | 62 | High |
| Meriden | 1 | $2,698 | 62 | High |
| Pittsburg | 1 | $2,263 | 62 | High |
| Hugoton | 1 | $3,015 | 61 | High |
| Toronto | 1 | $1,903 | 61 | High |
| Junction City | 1 | $2,532 | 61 | High |
| Hesston | 1 | $2,748 | 61 | High |
| Clifton | 1 | $2,482 | 61 | High |
| Burlington | 1 | $2,629 | 61 | High |
| Garden Plain | 1 | $3,324 | 61 | High |
| Roxbury | 1 | $2,996 | 61 | High |
| Lincoln Center | 1 | $2,218 | 61 | High |
| Hillsboro | 1 | $2,395 | 61 | High |
| McPherson | 1 | $2,724 | 61 | High |
| Mulvane | 2 | $2,997 | 61 | High |
| Chanute | 1 | $2,370 | 61 | High |
| Inman | 1 | $2,676 | 61 | High |
| Melvern | 1 | $2,474 | 61 | High |
| Lindsborg | 1 | $2,991 | 60 | Elevated |
| Quinter | 1 | $2,331 | 60 | Elevated |
| Goessel | 1 | $2,184 | 60 | Elevated |
| Independence | 1 | $2,649 | 60 | Elevated |
| Fort Scott | 1 | $2,490 | 60 | Elevated |
| Eskridge | 1 | $2,614 | 60 | Elevated |
| Hartford | 1 | $2,561 | 60 | Elevated |
| Croweburg | 1 | $2,118 | 60 | Elevated |
| Eudora | 1 | $2,586 | 60 | Elevated |
| Baldwin City | 1 | $2,632 | 60 | Elevated |
| Newton | 1 | $2,622 | 60 | Elevated |
| Ellsworth | 1 | $2,522 | 59 | Elevated |
| Galva | 1 | $2,871 | 59 | Elevated |
| Salina | 1 | $2,476 | 59 | Elevated |
| Coffeyville | 1 | $2,547 | 59 | Elevated |
| Leawood | 4 | $4,631 | 59 | Elevated |
| Troy | 1 | $2,368 | 59 | Elevated |
| Beloit | 1 | $2,235 | 59 | Elevated |
| Victoria | 1 | $2,318 | 59 | Elevated |
| Scott City | 1 | $2,571 | 59 | Elevated |
| Nickerson | 1 | $2,827 | 58 | Elevated |
| Attica | 1 | $2,373 | 58 | Elevated |
| Osage City | 1 | $2,483 | 58 | Elevated |
| Frankfort | 1 | $2,379 | 58 | Elevated |
| Syracuse | 1 | $2,307 | 58 | Elevated |
| La Crosse | 1 | $2,261 | 58 | Elevated |
| Onaga | 1 | $2,540 | 58 | Elevated |
| WaKeeney | 1 | $2,481 | 58 | Elevated |
| Auburn | 1 | $3,042 | 58 | Elevated |
| Council Grove | 1 | $2,398 | 58 | Elevated |
| Yates Center | 1 | $2,192 | 58 | Elevated |
| Lancaster | 1 | $2,152 | 58 | Elevated |
| Humboldt | 1 | $2,112 | 58 | Elevated |
| Ashland | 1 | $2,519 | 58 | Elevated |
| Dighton | 1 | $2,354 | 58 | Elevated |
| Louisburg | 1 | $2,795 | 58 | Elevated |
| Hutchinson | 2 | $2,614 | 58 | Elevated |
| Moundridge | 1 | $2,826 | 58 | Elevated |
| Prairie Village | 1 | $3,546 | 58 | Elevated |
| Rossville | 1 | $2,717 | 58 | Elevated |
| Chetopa | 1 | $1,800 | 58 | Elevated |
| Stafford | 1 | $2,623 | 58 | Elevated |
| Osborne | 1 | $2,323 | 58 | Elevated |
| Quenemo | 1 | $2,957 | 58 | Elevated |
| Sublette | 1 | $2,729 | 58 | Elevated |
| Hanover | 1 | $2,467 | 57 | Elevated |
| Colony | 1 | $1,948 | 57 | Elevated |
| Peabody | 1 | $2,331 | 57 | Elevated |
| Kickapoo Tribal Center | 1 | $2,362 | 57 | Elevated |
| Kansas City | 9 | $2,257 | 57 | Elevated |
| Wellsville | 1 | $2,771 | 57 | Elevated |
| Paola | 1 | $2,657 | 57 | Elevated |
| De Soto | 1 | $2,837 | 57 | Elevated |
| Rantoul | 1 | $2,732 | 57 | Elevated |
| Wathena | 1 | $2,541 | 57 | Elevated |
| Emporia | 1 | $2,505 | 57 | Elevated |
| Big Bow | 1 | $2,886 | 57 | Elevated |
| Oskaloosa | 1 | $2,568 | 57 | Elevated |
| Belleville | 1 | $2,276 | 57 | Elevated |
| Overbrook | 1 | $2,672 | 57 | Elevated |
| Udall | 1 | $2,638 | 57 | Elevated |
| Fredonia | 1 | $2,057 | 57 | Elevated |
| Deerfield | 1 | $2,336 | 57 | Elevated |
| Herington | 1 | $2,338 | 56 | Elevated |
| Parsons | 1 | $2,052 | 56 | Elevated |
| Shawnee | 5 | $2,991 | 56 | Elevated |
| Iola | 1 | $1,979 | 56 | Elevated |
| Geneseo | 1 | $2,383 | 56 | Elevated |
| Lenexa | 4 | $2,986 | 56 | Elevated |
| Overland Park | 10 | $3,168 | 56 | Elevated |
| Winchester | 1 | $2,601 | 56 | Elevated |
| Marysville | 1 | $2,234 | 56 | Elevated |
| Wamego | 1 | $2,626 | 56 | Elevated |
| Sabetha | 1 | $2,399 | 56 | Elevated |
| Clay Center | 1 | $2,148 | 56 | Elevated |
| Neodesha | 1 | $2,256 | 55 | Elevated |
| Olpe | 1 | $2,679 | 55 | Elevated |
| Elwood | 1 | $1,833 | 55 | Elevated |
| Downs | 1 | $2,130 | 55 | Elevated |
| Coldwater | 1 | $2,473 | 55 | Elevated |
| Newbury | 1 | $2,749 | 55 | Elevated |
| Carbondale | 1 | $2,603 | 55 | Elevated |
| Spring Hill | 1 | $2,694 | 55 | Elevated |
| Larned | 1 | $2,432 | 55 | Elevated |
| Effingham | 1 | $2,435 | 55 | Elevated |
| Howard | 1 | $2,623 | 55 | Elevated |
| Roeland Park | 1 | $2,772 | 55 | Elevated |
| Linn Valley | 1 | $2,194 | 55 | Elevated |
| Parker | 1 | $2,274 | 55 | Elevated |
| Erie | 1 | $1,968 | 55 | Elevated |
| Atchison | 1 | $2,352 | 55 | Elevated |
| Olathe | 2 | $2,729 | 55 | Elevated |
| Elk City | 1 | $2,423 | 54 | Elevated |
| Allen | 1 | $2,298 | 54 | Elevated |
| Grantville | 1 | $2,457 | 54 | Elevated |
| Edgerton | 1 | $2,305 | 54 | Elevated |
| Nortonville | 2 | $2,559 | 54 | Elevated |
| Americus | 1 | $2,435 | 54 | Elevated |
| Oswego | 1 | $1,898 | 54 | Elevated |
| Washington | 1 | $2,422 | 54 | Elevated |
| Olsburg | 1 | $2,421 | 54 | Elevated |
| Alta Vista | 1 | $2,616 | 54 | Elevated |
| Highland | 1 | $2,160 | 54 | Elevated |
| St. George | 1 | $2,760 | 54 | Elevated |
| Cunningham | 1 | $2,423 | 54 | Elevated |
| Scranton | 1 | $2,579 | 54 | Elevated |
| Perry | 1 | $2,504 | 54 | Elevated |
| Leoti | 1 | $2,383 | 54 | Elevated |
| Lawrence | 4 | $2,477 | 54 | Elevated |
| Gardner | 1 | $2,417 | 54 | Elevated |
| Silver Lake | 1 | $2,726 | 53 | Elevated |
| Marquette | 1 | $2,367 | 53 | Elevated |
| Mission | 1 | $2,324 | 53 | Elevated |
| Milford | 1 | $2,674 | 53 | Elevated |
| Harveyville | 1 | $2,613 | 53 | Elevated |
| Waverly | 1 | $2,610 | 53 | Elevated |
| St. Paul | 1 | $2,324 | 52 | Elevated |
| Caney | 1 | $2,515 | 52 | Elevated |
| Garnett | 1 | $2,254 | 52 | Elevated |
| Buffalo | 1 | $2,173 | 52 | Elevated |
| Edna | 1 | $2,136 | 52 | Elevated |
| Osawatomie | 1 | $2,209 | 52 | Elevated |
| Burlingame | 1 | $2,545 | 51 | Elevated |
| Topeka | 16 | $2,529 | 51 | Elevated |
| Fontana | 1 | $2,270 | 51 | Elevated |
| St. Marys | 1 | $2,893 | 51 | Elevated |
| Meade | 1 | $2,509 | 51 | Elevated |
| Lyndon | 1 | $2,469 | 50 | Elevated |
| Belvue | 1 | $2,851 | 50 | Elevated |
| Ness City | 1 | $2,697 | 50 | Elevated |
| Hoyt | 1 | $2,408 | 50 | Elevated |
| Maple Hill | 1 | $2,645 | 50 | Elevated |
| Centralia | 1 | $2,188 | 50 | Elevated |
| Seneca | 1 | $1,922 | 49 | Elevated |
| Ozawkie | 1 | $2,631 | 49 | Elevated |
| Mayetta | 1 | $2,392 | 49 | Elevated |
| Lecompton | 1 | $2,757 | 49 | Elevated |
| Westmoreland | 1 | $2,594 | 49 | Elevated |
| Vassar | 1 | $2,390 | 49 | Elevated |
| Navarre | 1 | $2,607 | 49 | Elevated |
| Mildred | 1 | $1,655 | 49 | Elevated |
| Elkhart | 1 | $2,276 | 49 | Elevated |
| Clyde | 1 | $2,149 | 49 | Elevated |
| Altamont | 1 | $2,220 | 48 | Elevated |
| Marion | 1 | $2,027 | 47 | Elevated |
| Lebo | 1 | $2,362 | 47 | Elevated |
| McLouth | 1 | $2,541 | 46 | Elevated |
| Holton | 1 | $2,346 | 46 | Elevated |
| Sedan | 1 | $2,519 | 46 | Elevated |
| Tecumseh | 1 | $2,842 | 44 | Elevated |
| Hiawatha | 1 | $1,973 | 44 | Elevated |
| Glasco | 1 | $2,151 | 44 | Elevated |
| Greeley | 1 | $2,275 | 43 | Elevated |
| Alma | 1 | $2,526 | 42 | Elevated |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.