"Kansas homeowners are facing some of the highest homeowners insurance costs in the Midwest. While the state does not grapple with hurricanes or coastal flooding, its vulnerability to tornadoes, hailstorms, and severe weather has kept insurance premiums elevated. Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Kansas households pay more than many of their regional neighbors."
"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Kansas homeowners with a mortgage typically pay $2,000-$2,499 annually for homeowners insurance, while those without a mortgage average $1,500-$1,999. Overall statewide costs fall into the $1,500-$1,999 range. Kansas has 820,255 insured homeowner households in total-467,374 with a mortgage and 352,881 without. Among mortgaged owners, 41,795 pay less than $100 annually and 49,797 pay $4,000 or more. Among those without a mortgage, 71,018 pay less than $100 and 28,390 pay $4,000 or more."
Kansas homeowners face elevated insurance costs driven by tornadoes, hailstorms, and severe-weather vulnerability despite the absence of hurricanes or coastal flooding. American Community Survey (ACS) data show homeowners with mortgages typically pay $2,000–$2,499 annually, while those without mortgages average $1,500–$1,999; statewide costs fall in the $1,500–$1,999 range. Kansas has 820,255 insured homeowner households: 467,374 with a mortgage and 352,881 without. Among mortgaged owners, 41,795 pay less than $100 annually and 49,797 pay $4,000 or more. Among owners without mortgages, 71,018 pay less than $100 and 28,390 pay $4,000 or more. Realtor.com’s 2025 Climate Risk Report notes higher regional exposure.
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