Home Insurance in Ellinwood, Kansas
The median home value in Ellinwood is $109,300, 14% lower than the Barton 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 Ellinwood was built around 1955. About 62% of homes were built before 1960, about 11 points above Barton County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ellinwood is 86% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
40% of owner-occupied homes in Ellinwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Ellinwood are owner-occupied.
79% of homes in Ellinwood are primarily heated with natural gas.
Barton County had 92 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Barton 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 | $109,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Barton County | 92 |
| 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)