Home Insurance in Longton, Kansas
Homes in Longton carry a median value of $38,400 - 44% lower than the Elk County median.
The typical home in Longton was built around 1959. About 51% of homes were built before 1960, about 4 points below Elk County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Longton is 82% single-family homes and 14% mobile or manufactured homes.
In Longton, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Longton has an owner-occupancy rate of 96% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
79% of homes in Longton are primarily heated with natural gas.
What's the biggest home insurance risk near Longton? 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.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $38,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)