Home Insurance in Moline, Kansas
The median home value in Moline is $34,600, 49% lower than the Elk County median.
The median home in Moline was built in 1939 or earlier. About 80% of homes were built before 1960, about 25 points above Elk County's 55%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Moline, the housing stock is 90% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Moline, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Moline has an owner-occupancy rate of 89% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Moline, 79% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Moline? 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 | $34,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)