Home Insurance in Howard, Kansas
With a median home value of $52,600, Howard is 23% lower than the Elk County median.
The typical home in Howard was built around 1959. About 51% of homes were built before 1960, about 4 points below Elk County's 55%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Howard, the housing stock is 72% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Howard, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Howard has an owner-occupancy rate of 75% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Howard, 73% of homes are primarily heated with natural gas.
FEMA rates Elk County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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 | $52,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)