Home Insurance in Elk Falls, Kansas
Homes in Elk Falls carry a median value of $48,300 - 29% lower than the Elk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Elk Falls was built around 1954. About 59% of homes were built before 1960, about 4 points above Elk County's 55%.
In Elk Falls, the housing stock is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Elk Falls, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Elk Falls are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Elk Falls, 68% of homes 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 Elk Falls? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Elk County and Elk County had 2 active NFIP flood policies as of September 2026. See the full Elk 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 | $48,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Elk 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)