Home Insurance in Morrill, Kansas
The median home value in Morrill is $65,000, 45% lower than the Brown County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Morrill was built in 1939 or earlier. About 59% of homes were built before 1960, about 13 points above Brown County's 46%.
In Morrill, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Morrill 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 97% of occupied homes in Morrill are owner-occupied.
Most homes in Morrill - 92% - are primarily heated with natural gas.
FEMA rates Brown County's overall risk as Very Low, led by wildfire (Relatively Low). Brown County had 2 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $65,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Brown County | 2 |
| 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)