Kansas Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 414 ZIP codes in Kansas (KS).

Homeowners in Kansas pay an average of $2,350 per year for home insurance — 32% above the national average of $1,776. That ranks Kansas as the 6th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 3.9%; nonrenewal rates climbed by 84.3% over the same period.

On five-year premium growth (2018–2022), Kansas ranks 31st out of 51 states. Its nonrenewal rate (1.64%) ranks 8th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$2,350/yr

National avg: $1,776 (+32% above)

Premium Change

+3.9%

2018-2022 change

Avg Loss Ratio

57.9%

Claims paid vs premiums earned

Nonrenewal Rate

1.64%

+84.3% change

Data Snapshot: Kansas Homeowners Insurance

Kansas homeowners paid an average of $2,350 per year for home insurance based on U.S. Treasury FIO data covering 414 ZIP codes across the state. That is 32% above the national average of $1,776 per year reported by the Federal Insurance Office. Kansas ranks 6th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,499 in 66755 to $5,515 in 66211.

Between 2018 and 2022, average premiums rose by 3.9% in Kansas, placing the state 31st nationally on five-year premium growth. The state-level loss ratio averaged 57.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 1.64%, a climb of 84.3% over the study period (ranking 8th out of 50 states).

Within Kansas, premium dispersion across ZIP codes is substantial: the most expensive ZIP (66211 in Leawood) charges 268% more than the least expensive (66755 in Moran), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Kansas

Kansas statewide — FIO 2018-2022 average: 58% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

414

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$2,262	$2,175	47.0%	7.87%	0.89%
2019	$2,255 (-0.3%)	$2,181	59.9%	9.78%	0.84%
2020	$2,268 (+0.6%)	$2,195	52.4%	8.30%	0.95%
2021	$2,323 (+2.4%)	$2,260	37.4%	6.43%	1.45%
2022	$2,350 (+1.1%)	$2,289	57.9%	10.00%	1.64%

Average Premium by Year

$2,262

2018

$2,255

2019

$2,268

2020

$2,323

2021

$2,350

2022

Most Expensive ZIP Codes in Kansas

Most Affordable ZIP Codes in Kansas

All ZIP Codes in Kansas

414 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
66211	Leawood	$5,515	49.7%	7.64%	0.91%
66224	Overland Park	$3,900	22.7%	3.94%	1.26%
67230	Wichita	$3,659	65.5%	11.21%	1.47%
66221	Overland Park	$3,648	29.0%	6.41%	1.04%
67228	Wichita	$3,630	13.4%	4.33%	2.17%
67206	Wichita	$3,611	27.5%	5.80%	1.53%
67232	Wichita	$3,471	955.0%	25.97%	1.30%
66209	Leawood	$3,384	55.5%	9.14%	1.02%
66217	Shawnee	$3,359	28.8%	5.97%	0.76%
66013	Bucyrus	$3,356	16.9%	2.76%	1.32%
67223	Wichita	$3,334	29.6%	4.96%	2.13%
66085	Stilwell	$3,310	28.9%	4.48%	0.97%
66206	Leawood	$3,299	29.6%	7.02%	0.70%
67001	Andale	$3,159	341.2%	48.50%	2.08%
66220	Lenexa	$3,154	33.5%	4.74%	0.91%
67149	Viola	$3,143	33.1%	10.05%	1.01%
67227	Wichita	$3,119	30.0%	6.09%	3.48%
67025	Cheney	$3,094	53.0%	10.42%	1.22%
66208	Prairie Village	$3,079	26.5%	5.49%	0.89%
67205	Wichita	$3,071	24.7%	5.28%	2.16%
67133	Rose Hill	$3,056	30.6%	7.21%	0.97%
67050	Garden Plain	$3,000	43.5%	10.32%	0.43%
67002	Andover	$2,985	291.2%	16.08%	1.92%
67226	Wichita	$2,979	18.3%	4.27%	1.45%
67853	Ingalls	$2,979	45.7%	9.33%	2.67%
66213	Overland Park	$2,951	39.2%	6.48%	0.95%
67030	Colwich	$2,949	36.4%	7.44%	1.82%
67017	Benton	$2,928	45.9%	9.19%	1.84%
66223	Overland Park	$2,902	26.7%	5.98%	1.03%
67052	Goddard	$2,889	38.3%	5.81%	2.60%
67120	Peck	$2,859	26.6%	5.61%	0.33%
67144	Towanda	$2,856	31.2%	6.06%	1.10%
66207	Overland Park	$2,852	38.8%	6.58%	0.66%
67869	Plains	$2,846	27.2%	7.95%	1.32%
67481	Sylvan Grove	$2,837	121.1%	21.54%	1.54%
67208	Wichita	$2,831	26.9%	5.53%	1.61%
67026	Clearwater	$2,825	25.6%	4.80%	1.41%
66610	Topeka	$2,824	28.8%	5.83%	1.36%
67835	Cimarron	$2,799	62.4%	17.68%	1.77%
67101	Maize	$2,798	35.5%	5.30%	3.03%
67422	Bennington	$2,789	52.5%	14.93%	1.12%
67235	Wichita	$2,783	14.4%	2.97%	2.06%
67067	Kechi	$2,780	32.5%	7.17%	1.79%
67951	Hugoton	$2,773	49.9%	14.33%	1.85%
67525	Claflin	$2,760	31.1%	10.00%	2.86%
67663	Plainville	$2,758	59.8%	19.41%	1.98%
67108	Mount Hope	$2,754	48.6%	5.34%	2.67%
67037	Derby	$2,747	49.2%	9.84%	1.78%
67147	Valley Center	$2,742	28.8%	5.35%	1.22%
66418	Delia	$2,737	227.7%	11.27%	2.82%
67074	Leon	$2,736	19.1%	5.13%	1.54%
67801	Dodge City	$2,727	18.9%	5.87%	2.05%
67220	Wichita	$2,724	28.5%	4.90%	1.41%
67070	Kiowa	$2,720	4.8%	1.84%	3.07%
67557	Macksville	$2,696	20.2%	8.33%	5.00%
67570	Pretty Prairie	$2,686	16.1%	2.74%	1.37%
67039	Douglass	$2,680	38.7%	3.96%	1.20%
67880	Ulysses	$2,674	32.1%	8.43%	2.94%
67855	Johnson	$2,673	10.4%	3.80%	0.84%
67467	Minneapolis	$2,673	43.6%	15.00%	1.54%
66503	Manhattan	$2,660	62.3%	12.28%	0.70%
67844	Fowler	$2,658	33.4%	10.87%	1.09%
66226	Shawnee	$2,655	26.0%	3.70%	1.24%
67010	Augusta	$2,641	44.2%	7.96%	1.79%
67135	Sedgwick	$2,620	40.4%	5.80%	2.32%
66402	Auburn	$2,617	35.2%	10.88%	1.24%
67740	Hoxie	$2,615	11.6%	6.56%	1.54%
67207	Wichita	$2,612	102.5%	20.85%	1.90%
67522	Buhler	$2,611	36.1%	6.38%	1.60%
66218	Shawnee	$2,603	9.1%	2.69%	1.52%
67124	Pratt	$2,602	13.1%	3.10%	1.32%
67526	Ellinwood	$2,600	96.2%	15.90%	1.59%
67565	Otis	$2,596	85.9%	33.87%	1.61%
67870	Satanta	$2,593	37.5%	12.82%	3.85%
67209	Wichita	$2,592	28.5%	5.50%	1.48%
67059	Haviland	$2,590	470.1%	81.18%	1.18%
67865	Minneola	$2,586	26.5%	6.35%	2.38%
66615	Topeka	$2,583	39.0%	7.81%	0.68%
67544	Hoisington	$2,580	52.0%	10.13%	0.96%
66052	Linwood	$2,579	33.2%	4.96%	0.40%
67215	Wichita	$2,573	39.1%	8.61%	1.43%
67210	Wichita	$2,570	136.8%	34.27%	2.00%
67456	Lindsborg	$2,570	32.9%	9.30%	0.91%
67502	Hutchinson	$2,568	28.2%	5.82%	1.04%
66868	Reading	$2,559	255.8%	27.85%	2.53%
67901	Liberal	$2,559	26.4%	4.99%	1.75%
67154	Whitewater	$2,558	28.5%	5.46%	1.09%
66409	Berryton	$2,556	102.1%	10.16%	0.79%
67110	Mulvane	$2,553	36.8%	7.20%	1.75%
67212	Wichita	$2,549	29.2%	5.25%	1.58%
66020	Easton	$2,542	76.9%	8.16%	0.82%
67846	Garden City	$2,537	35.6%	11.94%	1.74%
67448	Gypsum	$2,537	118.4%	23.44%	0.48%
67204	Wichita	$2,535	42.8%	6.20%	1.73%
67576	St John	$2,534	8.7%	3.52%	3.52%
67431	Chapman	$2,532	171.3%	31.77%	3.01%
67042	El Dorado	$2,529	63.1%	8.00%	1.33%
67877	Sublette	$2,528	97.2%	5.94%	2.10%
67661	Phillipsburg	$2,523	46.6%	9.90%	2.73%
67859	Kismet	$2,520	46.3%	10.39%	2.60%
67060	Haysville	$2,518	34.4%	7.12%	1.34%
67058	Harper	$2,514	9.1%	4.35%	2.17%
66546	Wakarusa	$2,508	62.9%	13.07%	2.12%
67669	Stockton	$2,507	554.0%	85.19%	1.11%
67425	Brookville	$2,501	113.2%	22.55%	0.98%
67547	Kinsley	$2,498	53.1%	15.06%	4.63%
66227	Lenexa	$2,495	39.9%	7.73%	1.53%
67665	Russell	$2,494	52.1%	14.99%	2.30%
67867	Montezuma	$2,492	11.2%	4.72%	3.94%
66053	Louisburg	$2,490	28.9%	4.62%	1.12%
66548	Waterville	$2,489	227.8%	36.28%	5.31%
67003	Anthony	$2,486	19.6%	6.21%	2.61%
66528	Quenemo	$2,483	69.9%	9.52%	N/A
66536	Saint Marys	$2,480	96.8%	17.10%	0.52%
66219	Lenexa	$2,478	32.8%	5.88%	0.81%
67854	Jetmore	$2,475	42.7%	15.25%	2.82%
67118	Norwich	$2,469	38.9%	4.27%	4.27%
66007	Basehor	$2,468	68.0%	8.35%	0.95%
67218	Wichita	$2,462	22.1%	5.32%	1.52%
67834	Bucklin	$2,460	257.9%	29.59%	4.08%
66216	Shawnee	$2,456	34.5%	6.49%	0.84%
67561	Nickerson	$2,453	39.5%	4.52%	0.45%
66407	Belvue	$2,452	-81.7%	18.46%	1.54%
67156	Winfield	$2,451	33.3%	4.68%	1.89%
66050	Lecompton	$2,444	42.6%	9.63%	0.25%
67146	Udall	$2,443	11.5%	3.42%	0.93%
67851	Holcomb	$2,441	34.8%	11.18%	2.89%
66542	Tecumseh	$2,440	24.2%	6.63%	0.40%
67031	Conway Springs	$2,439	14.0%	2.61%	2.94%
67530	Great Bend	$2,436	29.4%	7.65%	1.39%
66205	Mission	$2,434	25.7%	5.17%	0.98%
66967	Smith Center	$2,432	12.8%	3.94%	2.54%
67560	Ness City	$2,431	30.9%	8.88%	0.89%
67578	Stafford	$2,430	44.2%	8.95%	1.58%
66047	Lawrence	$2,428	38.2%	5.15%	1.06%
67117	North Newton	$2,428	13.0%	3.45%	2.59%
67735	Goodland	$2,423	12.9%	4.22%	2.61%
67480	Solomon	$2,422	54.8%	15.25%	2.48%
66012	Bonner Springs	$2,419	32.4%	4.64%	1.14%
66086	Tonganoxie	$2,419	52.7%	7.49%	1.56%
67349	Howard	$2,417	5.2%	4.65%	N/A
67056	Halstead	$2,416	41.3%	5.95%	1.76%
67013	Belle Plaine	$2,415	41.1%	7.08%	1.04%
66016	Cummings	$2,415	66.5%	8.22%	1.37%
66618	Topeka	$2,414	30.9%	6.69%	0.79%
67654	Norton	$2,411	14.7%	4.22%	3.54%
67054	Greensburg	$2,411	5.5%	3.21%	2.56%
67470	New Cambria	$2,410	92.3%	21.15%	2.88%
66092	Wellsville	$2,406	36.1%	5.67%	0.87%
66109	Kansas City	$2,405	39.4%	7.07%	1.46%
67876	Spearville	$2,401	259.1%	47.30%	1.35%
67443	Galva	$2,400	34.2%	8.16%	1.02%
66062	Olathe	$2,398	37.7%	6.80%	1.16%
67123	Potwin	$2,396	131.2%	13.75%	1.25%
66018	De Soto	$2,396	26.0%	3.22%	0.93%
67062	Hesston	$2,386	283.7%	50.70%	1.25%
66411	Blue Rapids	$2,384	126.1%	32.26%	2.58%
66526	Paxico	$2,382	30.1%	7.14%	1.02%
66535	Saint George	$2,382	71.5%	11.17%	0.87%
67601	Hays	$2,380	55.4%	11.24%	3.76%
66210	Overland Park	$2,379	44.6%	7.99%	0.86%
66079	Rantoul	$2,375	9.7%	1.80%	0.90%
66423	Eskridge	$2,372	66.5%	15.60%	N/A
67203	Wichita	$2,371	31.5%	6.37%	1.11%
67416	Assaria	$2,368	56.1%	13.77%	N/A
66539	Silver Lake	$2,364	48.3%	11.15%	0.77%
67860	Lakin	$2,363	27.1%	8.25%	2.25%
67882	Wright	$2,361	20.2%	9.84%	N/A
67151	Walton	$2,361	49.1%	11.11%	N/A
66071	Paola	$2,358	50.3%	5.48%	1.31%
66083	Spring Hill	$2,358	47.3%	5.49%	1.00%
66507	Maple Hill	$2,356	27.5%	8.37%	0.93%
66061	Olathe	$2,355	36.0%	5.88%	0.94%
67871	Scott City	$2,353	28.2%	9.60%	1.35%
67022	Caldwell	$2,352	22.7%	4.51%	1.50%
66431	Harveyville	$2,352	24.4%	7.14%	N/A
67119	Oxford	$2,350	8.9%	2.45%	N/A
67543	Haven	$2,350	35.7%	7.44%	2.91%
66865	Olpe	$2,348	29.1%	6.98%	0.58%
67219	Wichita	$2,342	39.4%	9.89%	1.93%
67107	Moundridge	$2,342	65.2%	12.07%	0.86%
66533	Rossville	$2,342	58.6%	13.99%	1.19%
66514	Milford	$2,335	41.9%	11.76%	0.98%
67546	Inman	$2,334	37.2%	10.44%	1.83%
67831	Ashland	$2,333	20.1%	3.77%	N/A
67140	South Haven	$2,331	7.9%	5.00%	N/A
66512	Meriden	$2,330	42.5%	4.46%	1.89%
66524	Overbrook	$2,327	23.2%	6.81%	1.00%
67114	Newton	$2,327	28.8%	5.21%	1.88%
67104	Medicine Lodge	$2,326	6.3%	3.07%	2.30%
67460	Mcpherson	$2,324	51.6%	9.36%	1.58%
67301	Independence	$2,324	17.9%	2.35%	1.30%
67642	Hill City	$2,324	37.0%	7.95%	2.14%
66006	Baldwin City	$2,322	49.8%	7.95%	1.28%
67068	Kingman	$2,316	14.9%	3.47%	1.16%
67864	Meade	$2,309	37.9%	7.21%	0.60%
66042	Lane	$2,305	9.7%	2.19%	N/A
66088	Valley Falls	$2,302	29.9%	5.69%	3.34%
66097	Winchester	$2,301	24.1%	3.64%	0.61%
66049	Lawrence	$2,297	19.9%	4.35%	0.93%
67487	Wakefield	$2,296	83.7%	21.59%	1.14%
67019	Burden	$2,294	7.2%	5.32%	3.19%
67361	Sedan	$2,294	17.4%	3.98%	0.57%
66547	Wamego	$2,293	69.0%	15.81%	1.37%
66951	Kensington	$2,293	6.3%	2.20%	3.30%
67029	Coldwater	$2,291	10.3%	3.00%	1.00%
66070	Ozawkie	$2,291	19.0%	3.95%	0.66%
67410	Abilene	$2,288	111.3%	18.15%	2.27%
67748	Oakley	$2,284	19.6%	5.99%	3.23%
66449	Leonardville	$2,283	67.7%	19.28%	2.41%
66054	Mc Louth	$2,282	69.2%	10.48%	0.60%
66549	Westmoreland	$2,274	40.8%	8.02%	0.47%
66871	Waverly	$2,271	18.6%	6.21%	0.56%
66414	Carbondale	$2,271	19.9%	5.31%	0.88%
67879	Tribune	$2,270	97.7%	22.98%	2.48%
66066	Oskaloosa	$2,267	25.7%	7.61%	2.24%
67214	Wichita	$2,265	21.0%	6.35%	2.45%
66845	Cottonwood Falls	$2,264	204.2%	40.83%	5.83%
67758	Sharon Springs	$2,262	72.1%	12.16%	1.35%
66834	Alta Vista	$2,259	40.2%	10.75%	N/A
67701	Colby	$2,258	24.4%	7.32%	2.52%
66215	Lenexa	$2,256	41.7%	6.52%	0.61%
67579	Sterling	$2,255	37.5%	7.13%	1.58%
66537	Scranton	$2,254	19.0%	4.15%	1.13%
67550	Larned	$2,253	21.8%	7.36%	1.72%
66076	Pomona	$2,253	226.3%	18.89%	1.95%
66839	Burlington	$2,247	13.8%	2.47%	1.30%
66048	Leavenworth	$2,247	38.0%	7.66%	1.11%
67333	Caney	$2,246	14.3%	3.63%	0.66%
67637	Ellis	$2,244	106.3%	15.98%	2.51%
66025	Eudora	$2,244	36.4%	6.55%	1.52%
66869	Strong City	$2,241	25.9%	10.26%	N/A
67337	Coffeyville	$2,238	16.9%	2.95%	1.12%
66043	Lansing	$2,235	69.6%	11.82%	0.96%
66617	Topeka	$2,234	33.7%	5.15%	0.64%
67672	Wakeeney	$2,232	33.6%	7.82%	2.73%
67152	Wellington	$2,230	65.5%	8.21%	1.50%
66401	Alma	$2,228	41.9%	11.36%	0.45%
67505	South Hutchinson	$2,221	27.5%	7.27%	2.05%
66067	Ottawa	$2,221	15.3%	3.17%	1.78%
66860	Madison	$2,220	34.2%	8.20%	2.19%
66852	Gridley	$2,218	4.2%	1.87%	1.87%
66945	Hanover	$2,216	228.1%	40.85%	1.41%
67514	Arlington	$2,215	60.9%	9.73%	N/A
66614	Topeka	$2,214	23.8%	5.11%	0.86%
66073	Perry	$2,213	40.2%	8.42%	1.23%
67020	Burrton	$2,212	85.1%	8.27%	1.88%
67646	Logan	$2,211	49.0%	12.50%	4.81%
66801	Emporia	$2,208	150.5%	25.93%	1.15%
67861	Leoti	$2,207	439.4%	83.20%	0.82%
66520	Olsburg	$2,207	105.5%	16.30%	N/A
66770	Riverton	$2,204	40.1%	9.05%	N/A
67441	Enterprise	$2,204	287.9%	37.14%	1.43%
66413	Burlingame	$2,202	41.2%	7.38%	0.37%
67439	Ellsworth	$2,202	50.7%	11.90%	1.72%
66781	Weir	$2,202	150.2%	4.19%	0.60%
66510	Melvern	$2,202	151.4%	12.50%	1.14%
66701	Fort Scott	$2,201	42.4%	6.70%	1.19%
66619	Topeka	$2,200	33.6%	8.52%	N/A
67009	Attica	$2,198	10.1%	2.67%	5.33%
66554	Randolph	$2,197	21.6%	8.05%	N/A
67005	Arkansas City	$2,194	32.7%	5.16%	2.53%
66441	Junction City	$2,189	79.4%	18.89%	2.01%
66090	Wathena	$2,189	17.2%	6.09%	0.90%
67554	Lyons	$2,188	71.3%	8.20%	2.34%
66531	Riley	$2,184	86.6%	15.42%	1.00%
66835	Americus	$2,181	274.7%	49.28%	0.96%
67839	Dighton	$2,181	81.7%	10.67%	2.00%
66711	Arcadia	$2,176	20.1%	3.95%	N/A
66872	White City	$2,176	121.2%	19.79%	2.08%
67004	Argonia	$2,176	254.6%	14.89%	2.13%
67211	Wichita	$2,176	30.1%	6.29%	1.35%
66214	Overland Park	$2,175	33.5%	5.68%	0.74%
67335	Cherryvale	$2,174	27.5%	1.79%	2.68%
66521	Onaga	$2,173	48.3%	9.46%	2.03%
66735	Franklin	$2,173	114.4%	3.74%	N/A
66854	Hartford	$2,170	8.3%	4.12%	1.03%
67217	Wichita	$2,170	39.0%	8.20%	1.33%
66743	Girard	$2,169	29.1%	2.44%	1.10%
66523	Osage City	$2,166	385.4%	44.96%	1.24%
67216	Wichita	$2,166	63.7%	13.18%	0.85%
67838	Deerfield	$2,164	101.2%	17.27%	2.73%
67035	Cunningham	$2,161	35.6%	7.14%	N/A
66502	Manhattan	$2,159	52.7%	12.19%	1.14%
66451	Lyndon	$2,156	125.7%	9.79%	1.05%
66112	Kansas City	$2,155	36.0%	5.57%	1.86%
67401	Salina	$2,154	67.2%	14.19%	1.22%
67451	Hope	$2,154	145.0%	14.29%	N/A
66429	Grantville	$2,152	19.9%	6.87%	1.53%
66779	Uniontown	$2,147	91.6%	8.54%	1.22%
67671	Victoria	$2,147	87.1%	18.13%	5.22%
66212	Overland Park	$2,145	37.3%	6.33%	1.12%
67457	Little River	$2,145	19.1%	5.65%	7.26%
66606	Topeka	$2,144	15.1%	4.27%	0.96%
67344	Elk City	$2,139	12.3%	3.37%	1.12%
66856	Lebo	$2,138	102.4%	10.92%	0.35%
66509	Mayetta	$2,138	18.2%	5.32%	1.00%
66604	Topeka	$2,138	34.5%	4.45%	1.02%
66078	Princeton	$2,137	14.3%	1.57%	3.15%
67878	Syracuse	$2,137	33.3%	10.15%	2.03%
66534	Sabetha	$2,136	54.0%	10.77%	3.05%
66075	Pleasanton	$2,135	52.0%	7.27%	2.42%
66611	Topeka	$2,135	39.1%	4.55%	1.08%
66440	Hoyt	$2,134	62.7%	8.19%	0.88%
66763	Frontenac	$2,130	33.0%	5.44%	1.63%
66543	Vassar	$2,130	49.3%	7.73%	1.03%
67752	Quinter	$2,130	36.3%	7.25%	1.15%
67428	Canton	$2,129	50.0%	11.40%	1.75%
67501	Hutchinson	$2,129	96.6%	6.18%	1.21%
66605	Topeka	$2,120	28.2%	6.32%	0.89%
66776	Thayer	$2,118	23.7%	5.00%	1.67%
66725	Columbus	$2,116	22.2%	5.38%	1.75%
67756	Saint Francis	$2,110	37.4%	10.14%	3.04%
66023	Effingham	$2,110	9.5%	5.65%	0.81%
66937	Clifton	$2,110	28.4%	5.43%	2.17%
66427	Frankfort	$2,109	22.9%	7.53%	1.37%
67444	Geneseo	$2,108	90.7%	14.42%	0.96%
66060	Nortonville	$2,108	27.1%	8.39%	0.65%
66901	Concordia	$2,105	164.3%	35.51%	1.80%
66030	Gardner	$2,103	54.6%	7.51%	1.09%
67950	Elkhart	$2,102	33.3%	4.38%	0.94%
66739	Galena	$2,102	38.1%	6.44%	1.29%
66846	Council Grove	$2,099	17.7%	5.62%	1.50%
66033	Greeley	$2,096	35.3%	2.27%	N/A
67473	Osborne	$2,095	16.7%	6.52%	0.54%
67548	La Crosse	$2,094	59.4%	14.94%	3.73%
67213	Wichita	$2,094	18.7%	5.16%	1.98%
67464	Marquette	$2,091	219.0%	34.63%	0.43%
66087	Troy	$2,087	10.3%	4.55%	1.62%
66056	Mound City	$2,084	29.1%	5.47%	1.56%
66436	Holton	$2,081	52.3%	7.07%	0.74%
67454	Kanopolis	$2,079	63.1%	20.42%	2.11%
67449	Herington	$2,079	55.1%	12.62%	1.73%
66044	Lawrence	$2,074	18.5%	3.51%	0.84%
66026	Fontana	$2,072	11.5%	1.90%	N/A
67063	Hillsboro	$2,071	45.7%	7.22%	1.37%
66002	Atchison	$2,071	20.0%	3.59%	1.10%
66439	Horton	$2,070	70.2%	11.07%	2.28%
66720	Chanute	$2,068	20.0%	5.62%	1.66%
67016	Bentley	$2,064	36.2%	7.14%	3.57%
66072	Parker	$2,063	11.9%	3.97%	1.32%
66713	Baxter Springs	$2,063	64.4%	10.01%	1.51%
66101	Kansas City	$2,063	22.4%	4.80%	2.85%
66762	Pittsburg	$2,062	26.2%	4.99%	1.84%
66032	Garnett	$2,057	19.8%	3.97%	1.12%
66021	Edgerton	$2,057	40.8%	4.95%	0.83%
66080	Richmond	$2,057	26.7%	9.52%	1.59%
66771	Saint Paul	$2,057	23.4%	4.44%	1.11%
66612	Topeka	$2,053	7.6%	3.13%	N/A
66609	Topeka	$2,053	32.3%	9.82%	1.07%
67749	Oberlin	$2,049	652.2%	77.32%	2.24%
66833	Allen	$2,049	4.0%	3.39%	1.69%
66202	Mission	$2,043	26.9%	4.60%	1.04%
66968	Washington	$2,036	12.6%	4.44%	N/A
66773	Scammon	$2,030	0.6%	1.12%	3.37%
66753	Mc Cune	$2,027	N/A	N/A	0.96%
66866	Peabody	$2,023	109.9%	18.41%	1.00%
66935	Belleville	$2,018	46.1%	7.01%	1.62%
66508	Marysville	$2,013	166.3%	34.23%	1.35%
66111	Kansas City	$2,012	35.0%	5.81%	1.44%
66040	La Cygne	$2,009	51.2%	4.69%	1.31%
66102	Kansas City	$1,996	27.8%	4.66%	2.35%
66106	Kansas City	$1,989	31.3%	5.79%	1.57%
67730	Atwood	$1,987	34.0%	7.78%	2.40%
67045	Eureka	$1,985	41.1%	8.53%	1.24%
66064	Osawatomie	$1,984	25.5%	5.50%	1.06%
66035	Highland	$1,980	23.1%	9.77%	2.26%
67342	Edna	$1,979	24.4%	6.90%	1.15%
66104	Kansas City	$1,976	51.9%	5.57%	2.39%
67490	Wilson	$1,975	121.1%	27.44%	2.44%
67330	Altamont	$1,975	11.0%	2.75%	1.10%
67437	Downs	$1,973	24.4%	8.00%	0.80%
66203	Shawnee	$1,971	54.0%	6.35%	0.95%
66041	Lancaster	$1,970	11.9%	3.49%	N/A
66517	Ogden	$1,964	54.2%	18.45%	1.79%
66717	Buffalo	$1,963	26.5%	6.94%	N/A
66756	Mulberry	$1,962	16.2%	5.17%	N/A
66757	Neodesha	$1,959	29.1%	4.07%	1.78%
66046	Lawrence	$1,955	30.3%	4.25%	0.66%
67420	Beloit	$1,953	21.9%	5.50%	1.03%
67455	Lincoln	$1,931	119.3%	24.79%	1.28%
66415	Centralia	$1,930	26.4%	7.76%	1.72%
66724	Cherokee	$1,927	4.1%	1.99%	1.99%
67432	Clay Center	$1,925	89.2%	16.27%	1.64%
66783	Yates Center	$1,923	20.3%	3.86%	1.10%
66204	Overland Park	$1,914	27.9%	5.12%	0.68%
66938	Clyde	$1,913	45.2%	12.12%	N/A
66712	Arma	$1,904	73.2%	4.20%	2.36%
67445	Glasco	$1,901	35.9%	11.11%	N/A
66103	Kansas City	$1,892	14.8%	3.78%	1.38%
66956	Mankato	$1,891	89.1%	8.89%	1.67%
66864	Neosho Rapids	$1,887	304.3%	34.92%	1.59%
66748	Humboldt	$1,872	4.4%	1.91%	2.15%
66842	Cassoday	$1,865	85.9%	12.33%	1.37%
66736	Fredonia	$1,864	26.8%	4.15%	1.53%
66861	Marion	$1,851	30.1%	5.92%	0.56%
66608	Topeka	$1,851	23.1%	5.59%	0.48%
67053	Goessel	$1,849	12.4%	3.23%	1.08%
67357	Parsons	$1,848	22.6%	3.68%	2.07%
66616	Topeka	$1,844	23.2%	3.62%	1.06%
66607	Topeka	$1,826	33.7%	4.32%	0.58%
66733	Erie	$1,818	51.9%	2.56%	1.10%
66434	Hiawatha	$1,789	20.7%	6.23%	0.93%
67047	Fall River	$1,779	20.5%	4.32%	1.23%
66538	Seneca	$1,770	40.7%	9.39%	1.88%
66749	Iola	$1,765	12.9%	3.03%	1.87%
66754	Mapleton	$1,760	88.0%	4.35%	N/A
66015	Colony	$1,758	17.2%	4.00%	2.00%
67356	Oswego	$1,758	78.2%	3.49%	1.94%
66777	Toronto	$1,690	10.9%	2.44%	1.22%
66105	Kansas City	$1,670	5.2%	3.66%	2.44%
67336	Chetopa	$1,661	17.9%	2.04%	2.04%
66024	Elwood	$1,635	134.2%	3.15%	1.57%
66755	Moran	$1,499	21.3%	7.09%	1.42%

Kansas Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Kansas compares to other states

Related Data for Kansas

Natural Disaster Risk

FEMA disaster & NOAA storm data for Kansas

Wildfire Risk Data

USDA wildfire risk assessments for Kansas

Rental Market Data

HUD fair market rents in Kansas

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Kansas

Climate Data

NOAA climate normals for Kansas

Frequently Asked Questions

What is the average homeowners insurance cost in Kansas? ▼

The average homeowners insurance premium in Kansas is $2,350 per year, based on U.S. Treasury FIO data covering 414 ZIP codes. This is 32% above the national average of $1,776.

How have insurance premiums changed in Kansas? ▼

Kansas homeowners insurance premiums changed by +3.9% between 2018 and 2022. The average loss ratio is 57.9%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Kansas? ▼

The most expensive ZIP code for homeowners insurance in Kansas is 66211, with an average premium of $5,515/yr. The most affordable is 66755 at $1,499/yr.

What is the nonrenewal rate for Kansas homeowners insurance? ▼

The average nonrenewal rate in Kansas is 1.64%. This rate has changed by +84.3% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 67457 has the highest nonrenewal rate in the state at 7.26%.

What is a loss ratio and what does Kansas's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Kansas's average loss ratio is 57.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Kansas? ▼

The average claim frequency in Kansas is 10.00%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $13,377. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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