Homeowners insurance in Kansas: premium by ZIP code
Kansas's median ZIP code paid $2,289 per policy in 2022, ranked 6 of 51, and nonrenewals doubled from 2019 to 2022.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Kansas (median ZIP code)
$2,289
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $3,049.
| Change from 2018 to 2022, after inflation | +5.2% |
| Premium per policy in 2018 | $2,175 |
| Premium per policy in 2022 | $2,289 |
| 2022 premium carried to September 2026 (BLS index) | $3,049 |
| Policies not renewed by the insurer, 2022 | 1.34% |
| Claims paid per 100 policies, yearly average | 6.8 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,538 |
| Cancelled for nonpayment, 2022 | 1.79% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 414 ZIP codes in 105 counties of Kansas in the Treasury file · not a quote
Kansas is one of the dearest states for homeowners insurance in the Treasury file. Its median ZIP code paid $2,289 per policy in 2022, ranked 6 of 51 and about 48% above the national $1,551, after a rise of +5.2% after inflation. Even the cheapest ZIP codes were expensive: the lowest tenth paid under $1,972, more than the national median. The cause is hail and wind on the Plains: Kansas had 6.8 paid claims per 100 policies a year, ranked 6 of 51, with 7 in 2022. The average claim, $13,538, was modest. Nonrenewals rose from 0.57% in 2019 to 1.34% in 2022, ranked 6. Sedgwick County, Wichita, paid $2,754; Johnson County, in the Kansas City suburbs, $2,486. The Kansas FAIR Plan writes a narrow policy for homes declined elsewhere. The data stop in 2022.
Wichita pays more than the suburbs
Sedgwick County's 39 ZIP codes had a median of $2,754 in 2022, higher than Johnson County's $2,486 in the Kansas City suburbs. Johnson County rose faster, +10.2% against +3.9%. Butler County, east of Wichita, paid $2,680, and Shawnee County, Topeka, $2,214 after a rise of +11.9%. The dearest ZIP codes were 66211 and 66224 in Johnson County, at $5,515 and $3,900. The cheapest, 66755 in Allen County, paid $1,499, still near the national median.
Many small claims
Kansas insurers paid claims often but not large ones: 6.8 per 100 policies a year at an average of $13,538, against 4.5 and $15,105 for the median ZIP code nationally. That is the signature of hail: roofs, gutters, siding and windows, across whole towns at once. The response of insurers is a percentage wind and hail deductible and roof schedules that pay older roofs at actual cash value. On a $300,000 house, a 1 percent wind and hail deductible is $3,000, and it applies to every wind or hail claim, not only to large storms.
A Kansas roof at actual cash value
Example, not your result yet· change a figure to see yours
Actual cash value settlement
$2,720
| Value left in the roof | 44% |
| Depreciated roof value before deductible | $5,720 |
| Replacement cost before deductible | $13,000 |
Nonrenewals doubled
The median nonrenewal rate was 0.65% in 2018 and 0.57% in 2019, then rose to 1.22% in 2021 and 1.34% in 2022. In 20% of Kansas ZIP codes the 2022 rate was above the line of the top tenth nationally. The age and condition of the roof is the most common reason in hail states. The nonrenewal page explains the notice and the options.
A narrow FAIR plan
The Kansas FAIR Plan writes a dwelling policy limited to fire and lightning, with extended coverage for wind and hail only by endorsement. That is much less than a homeowners policy, so a home that lands there may need other coverage for theft and liability. The Kansas Insurance Department handles complaints and rate questions.
Kansas, year by year
| Year | Kansas median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $2,175 | $1,445 | 0.65% | 4.6 | 25% |
| 2019 | $2,181 | $1,469 | 0.57% | 6.2 | 34% |
| 2020 | $2,195 | $1,491 | 0.76% | 5.3 | 28% |
| 2021 | $2,260 | $1,521 | 1.22% | 5.1 | 25% |
| 2022 | $2,289 | $1,551 | 1.34% | 7 | 35% |
The Kansas counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Sedgwick County | 39 | $2,596 | $2,754 | +3.9% | 1.61% | $14,517 |
| Johnson County | 30 | $2,264 | $2,486 | +10.2% | 0.94% | $16,173 |
| Shawnee County | 21 | $1,992 | $2,214 | +11.9% | 0.86% | $12,661 |
| Butler County | 11 | $2,656 | $2,680 | +1.1% | 1.33% | $16,933 |
| Crawford County | 9 | $1,970 | $2,062 | +3.7% | 1.10% | $12,480 |
| Jefferson County | 9 | $2,085 | $2,282 | +6.4% | 1.23% | $16,360 |
| Osage County | 9 | $2,069 | $2,202 | +9.4% | 1.03% | $16,335 |
| Sumner County | 9 | $2,417 | $2,352 | -4.3% | 1.50% | $15,171 |
Highest and lowest premiums per policy, Kansas ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 66211 | Johnson County | $5,515 | +6.9% | 0.91% |
| 66224 | Johnson County | $3,900 | +9.9% | 1.26% |
| 67230 | Sedgwick County | $3,659 | +2.8% | 1.47% |
| 66221 | Johnson County | $3,648 | +13.8% | 1.04% |
| 67228 | Sedgwick County | $3,630 | -2.2% | 2.17% |
| 66755 | Allen County | $1,499 | +0.0% | 1.42% |
| 66024 | Doniphan County | $1,635 | +3.9% | 1.57% |
| 67336 | Cherokee County | $1,661 | -4.2% | 2.04% |
| 66105 | Wyandotte County | $1,670 | -8.4% | 2.44% |
| 66777 | Greenwood County | $1,690 | +4.8% | 1.22% |