Home Insurance in Lane, Kansas
Homes in Lane carry a median value of $102,800 - 48% lower than the Franklin County median.
The typical home in Lane was built around 1952. About 58% of homes were built before 1960, about 24 points above Franklin County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lane is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lane, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lane has an owner-occupancy rate of 86% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Lane - 67% - are primarily heated with natural gas. Homes heated with wood 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 Lane? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Franklin County and Franklin County had 34 active NFIP flood policies as of September 2026. See the full Franklin 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 | $102,800 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Franklin County | 34 |
| 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)