Home Insurance in Grinnell, Kansas
The median home value in Grinnell is $132,100, 12% higher than the Gove County median.
The typical home in Grinnell was built around 1959. About 52% of homes were built before 1960, about 2 points below Gove County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Grinnell breaks down to 97% single-family homes and 3% mobile or manufactured homes.
46% of owner-occupied homes in Grinnell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Grinnell has an owner-occupancy rate of 93% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
84% of homes in Grinnell are primarily heated with natural gas.
Gove County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Gove 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 | $132,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| 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)