Insurance in Cambridge, KS

What we cover in Cambridge

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Insurance in Cambridge: the local picture

Living here in Cambridge, with our tight-knit community and a solid 73.4% homeownership rate, means protecting our homes is paramount. With a median property value around $108,300, a robust homeowners policy isn't just a good idea—it's essential. As any local will tell you, spring and summer here bring the real threat of severe weather, from hailstorms that can shred a roof to the ever-present risk of tornadoes. We need to make sure our policies have strong wind and hail coverage, and that folks understand their deductibles, as those can make a big difference when a storm rolls through. Beyond the sky, we also have to keep an eye on the ground, especially with Grouse Creek and other waterways nearby. Standard homeowners insurance doesn't cover flood damage, so I always recommend looking into a separate flood insurance policy. It's a small investment that can prevent a huge headache if those creeks decide to swell. For our local economy, primarily supported by Central USD 462 and other manufacturing and public administration jobs, commercial insurance is just as critical. Businesses need to protect their property against severe weather, and have liability coverage. Given the potential for business interruption after a major storm, those coverages are key for keeping our local economy steady. And with Interstate 35 running right by, making sure our vehicles are properly insured is a given for anyone driving around Cowley County.

Population: 100 (2022)

Housing in Cambridge

The median property value in Cambridge, KS, was $108,300 in 2022, with a homeownership rate of 73.4%. (Source: https://datausa.io/profile/geo/cambridge-ks/)

Major local employers & who's hiring

• Central USD 462 — Education hiring

Local landmarks & geography

• Grouse Creek — Proximity to a creek can increase flood risk for properties located in or near its floodplain.
• Winfield Lake — Proximity to a lake can affect property values due to recreational access and may also influence flood risk for nearby properties.
• Cheney State Park — Proximity to a state park can influence property values, particularly for recreational properties. It may also lead to increased traffic on routes to the park, affecting accident risk.
• Interstate 35 (Kansas Turnpike) — While not directly in Cambridge, I-35 is approximately a half-hour drive away. Proximity to a major interstate affects property values (e.g., commercial access, noise pollution) and can influence transportation-related risks.
• Historic Downtown/District — No formally designated historic downtown or district found for Cambridge, KS.
• University — No university found in Cambridge, KS.
• Major Plant — No major plant or large industrial employer found in Cambridge, KS.

Local facts that shape your coverage

• As of the 2020 census, the population of Cambridge, Kansas, was 92 people. — Direct population data for the town.
• Cambridge is located in Cowley County, Kansas. — Provides geographical context for the town.
• Kansas ranks first in the nation for the total number of F5/EF5 tornadoes since 1950, indicating a high risk of severe tornado activity in the state. — Highlights the significant tornado threat for the region where Cambridge is located.
• The population of Cambridge, KS, was 92 in 2022. — Provides context for the size of the community and its insurance market.
• The median household income in Cambridge, KS, was $37,500 in 2022. — Offers insight into the economic capacity of residents to afford insurance premiums and potential coverage needs.

Local figures compiled from public sources: datausa.io · en.wikipedia.org · weather.gov · usd462.org · cowleycountyks.gov · glampinghub.com. Estimates — verify current details with the original source.

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Insurance requirements in Kansas

Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.

Cambridge, KS insurance — common questions

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