Cowley County, KS

Composite Insurance Risk Score: 39.2 / 100 (National rank: #2264)

Axis Scores

Climate Safety 25.3
Insurance Affordability 21.9
Housing Affordability 86.6
Community Resilience 70.7
Social Resilience 38.1
Housing Stability 22.8

Key Metrics

Annual Insurance Premium (state avg) $2,800
Insurance Burden (% of income) 4.84%
Price-to-Income Ratio 2.09
FEMA Risk Score (0-100) 74.5

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Cowley County have grown at an average annual rate of 6.32%. During the same period, the population has decreased by 2.66%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).