Home Insurance in Moran, Kansas
The median home value in Moran is $105,500, close to the Allen County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Moran was built around 1969. About 43% of homes were built before 1960, about 3 points below Allen County's 46%.
The housing stock in Moran is 84% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Moran, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Moran has an owner-occupancy rate of 77% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Moran, 77% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $105,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)