Home Insurance in Elgin, Kansas
With a median home value of $17,000, Elgin is 74% lower than the Chautauqua County median.
The typical home in Elgin was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 3 points above Chautauqua County's 49%.
The housing stock in Elgin is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
12% of owner-occupied homes in Elgin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Elgin has an owner-occupancy rate of 100% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Elgin - 72% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Elgin? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Chautauqua County and Chautauqua County has no active NFIP flood policies on file. See the full Chautauqua 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 | $17,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top county hazard | Wildfire (Relatively Moderate) |
| 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)