Home Insurance in Medicine Lodge, Kansas
The median home value in Medicine Lodge is $97,100, close to the Barber County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Medicine Lodge was built around 1953. About 74% of homes were built before 1960, about 16 points above Barber County's 57%.
The housing stock in Medicine Lodge is 90% single-family homes and 4% apartments in buildings with 5+ units.
About 34% of owner-occupied homes in Medicine Lodge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Medicine Lodge are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Medicine Lodge, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Medicine Lodge? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Barber County and Barber County had 4 active NFIP flood policies as of September 2026. See the full Barber 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 | $97,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Barber County | 4 |
| 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)