Home Insurance in Lone Elm, Kansas
With a median home value of $28,400, Lone Elm is 83% lower than the Anderson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Lone Elm was built in 1939 or earlier. About 94% of homes were built before 1960, about 46 points above Anderson County's 47%.
Housing in Lone Elm breaks down to 100% single-family homes.
10% of owner-occupied homes in Lone Elm carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Lone Elm are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lone Elm - 74% - are primarily heated with natural gas.
Anderson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Anderson County had 10 active NFIP flood policies as of September 2026. See the full Anderson 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 | $28,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Anderson County | 10 |
| 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)