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66522, KS Home Insurance

In the zip code of 66522, the population size is around 56, which consists of 7 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Oneida, KS. A few years ago, a study was done and found that the average home insurance rates for Kansas are around $1,179 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 66522 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Oneida. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-913-276-4017 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Oneida, KS Homeowners Insurance Online Rates Today!

66522 Home Insurance Average Premiums

Local 66522 homeowners insurance quotes comparison

$929 /yr.

Shows Zip Code: 66522 lowest rates with discounts applied on average.

For the 66522, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$929 /yr.
Average Coverage:$1179 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1479 /yr.

What is the average home insurance cost for a home in 66522?

  • • The average homeowners insurance premium paid annually for a home in 66522 is around $1179 per year.

What does it cost on average per month for home insurance in 66522?

  • • Homeowners in 66522 pay a monthly average cost per month around $98.00.

What kind of discount could I get if I combine my home and auto insurance together in 66522?

  • • Autoowners in 66522 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Oneida, check out other zip codes nearby 66522.
To review average rates in another zip code, click on a zip code below:

Home Replacement Cost Coverage in 66522

Average Building Cost Per Square Foot in 66522: $126

Location: Oneida, Kansas (Nemaha County)

Average Square Footage in 66522: 1,310 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 66522 before you start any project. Oneida homeowners pay on average around $126 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 66522 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 66522 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,310 sq. ft. and the average cost to rebuild the home in this area is around $126 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Oneida area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1261,310$165,000
Additional Upgrades & Added Features$1581,310$206,250
Major Home Updates or Advancements$1891,310$247,500

It's important to understand that when you estimate your replacement cost of your home in the 66522 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 66522

Best Home & Auto Insurance Agencies in 66522

Housing Demographics for 66522

Population Review for 66522 Zip Code

For the city of Oneida, the population within 66522 has increased to over 160 residents in population size. The current population total is 56. We have broken down the population based on race below. In 66522, there are over 27 in male population and 29 females.

PopulationValues
Total Population56
White Population51
Black Population0
Hispanic Population3
Asian Population0
Hawaiian Population0
Indian Population1
Other Population0
Male Population27
Female Population29
Population Estimate160

Household Data for 66522

The average number of homes in 66522 is around 7, there are an average of 8.00 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7
Persons Per Household8.00
Average House Value$165,000
Income Per Household$21189
Median Age28.0
Median Age Male26.5
Median Age Female30.5
66522 DetailsValues
StateKS
State Full NameKansas
City TypeN
City Alias Abbreviation
Area Code785
CityOneida
City Alias NameONEIDA
CountyNemaha
County FIPS131
State FIPS20
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea14143.34
Delivery Residential20
Delivery Business3
Delivery Total20
Preferred Last Line Key015532
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key015532
Land Area0.129000
Water Area0.000000
City Alias Code
City Mixed CaseOneida
City Alias Mixed CaseOneida
Box Count0
SFDU1
MFDU0
State ANSI20
County ANSI131
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number198250
Unique ZIP Name
SSA State County Code17650
Medicare CBSA Code99917
Medicare CBSA NameRural Areas in KS
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseNemaha

Kansas Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]