Home Insurance in Morganville, Kansas
Homes in Morganville carry a median value of $62,500 - 60% lower than the Clay County median.
The median home in Morganville was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 87% of homes were built before 1960, about 40 points above Clay County's 48%.
The housing stock in Morganville is 100% single-family homes.
26% of owner-occupied homes in Morganville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Morganville has an owner-occupancy rate of 99% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Morganville - 79% - 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.
FEMA rates Clay County's overall risk as Very Low, led by hail (Relatively Moderate). 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 | $62,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)