Home Insurance in Elsmore, Kansas
The typical home in Elsmore was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 85% of homes were built before 1960, about 39 points above Allen County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elsmore is 93% single-family homes and 7% mobile or manufactured homes.
11% of owner-occupied homes in Elsmore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Elsmore are owner-occupied.
In Elsmore, 91% of homes are primarily heated with natural gas.
FEMA rates Allen County's overall risk as Very Low, led by winter weather (Relatively Low). Allen County had 68 active NFIP flood policies as of September 2026. See the full Allen County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median year built | 1951 |
|---|---|
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Allen County | 68 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)