Homeowners Insurance in Overland Park, KS

For a home at Overland Park's median value of $413,600, we estimate about $2,835 a year — +64% versus the Kansas NAIC average of $1,733.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Overland Park

Est. premium

$2,835

$236/mo · median home

Median home value

$413,600

Kansas: $217,200

Median year built

1989

Census ACS

Owner-occupied

60.5%

of households

Hazard score

75.0

state ref. 78.7

Overland Park's estimate reflects its home values (90% higher than the state median) and FEMA's hazard profile for Johnson County.

Natural hazard risk in Overland Park

FEMA National Risk Index — Johnson County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	98.9	Comprehensive (car); roof claims (home)
Tornado	Very High	98.9	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	94.9	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	47.1	Comprehensive; dwelling
Winter weather	Very High	100.0	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	61.2	Comprehensive; dwelling
Earthquake	Relatively Low	75.7	Home needs a separate earthquake policy
Lightning	Very High	98.4	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Overland Park

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,585	$1,460
$300,000	$2,195	$2,020
$500,000	$3,300	$3,040
$750,000	$4,565	$4,200

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Overland Park

ZIP	Median home value	Owner-occupied	Est. premium
66212	$304,800	56.7%	$2,220
66213	$465,900	54.7%	$3,120
66221	$711,300	85.4%	$4,375
66223	$437,500	55.8%	$2,965
66210	$373,200	51.4%	$2,615
66204	$269,400	48.9%	$2,015
66207	$440,500	78.4%	$2,985
66214	$340,900	46.0%	$2,430
66085	$538,300	84.9%	$3,505

Homeowners insurance in Kansas · Car insurance in Overland Park · Insurance offices near Overland Park

Frequently asked questions

How much is homeowners insurance in Overland Park?

For a home at Overland Park's median value of $413,600, we estimate about $2,835 a year for a standard HO-3 policy with a $1,000 deductible. The Kansas NAIC average is $1,733.

What are the biggest natural hazards in Overland Park?

FEMA's National Risk Index rates Johnson County relatively high or very high for hail, tornado, inland (river) flooding, winter weather, and lightning.

Does the age of homes in Overland Park affect insurance?

Yes. The median home in Overland Park was built in 1989 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Kansas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Johnson County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page