Home Insurance in Longford, Kansas
The median home value in Longford is $55,000, 65% lower than the Clay County median.
The median home in Longford was built in 1939 or earlier. About 79% of homes were built before 1960, about 31 points above Clay County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Longford, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 5% of owner-occupied homes in Longford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Longford has an owner-occupancy rate of 70% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Longford - 63% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clay County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Clay County had 40 active NFIP flood policies as of September 2026. See the full Clay 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 | $55,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 5% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clay County | 40 |
| 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)