Home Insurance in Muscotah, Kansas
Homes in Muscotah carry a median value of $90,000 - 38% lower than the Atchison County median.
The typical home in Muscotah was built around 1958. About 51% of homes were built before 1960, about 8 points above Atchison County's 42%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Muscotah is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Muscotah, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Muscotah has an owner-occupancy rate of 79% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
83% of homes in Muscotah are primarily heated with natural gas.
Atchison County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Atchison County had 17 active NFIP flood policies as of September 2026. See the full Atchison County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $90,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Atchison County | 17 |
| 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)