Home Insurance in Grenola, Kansas
The median home value in Grenola is $44,700, 35% lower than the Elk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Grenola was built in 1939 or earlier. About 74% of homes were built before 1960, about 19 points above Elk County's 55%.
In Grenola, the housing stock is 84% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Grenola carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Grenola are owner-occupied.
Most homes in Grenola - 78% - are primarily heated with natural gas.
Elk County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $44,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)