Home Insurance in Morland, Kansas
The median home value in Morland is $75,000, 17% lower than the Graham County median.
The typical home in Morland was built around 1953. About 65% of homes were built before 1960, about 9 points above Graham County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Morland is 100% single-family homes.
About 48% of owner-occupied homes in Morland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Morland has an owner-occupancy rate of 100% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Morland - 78% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Graham County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Graham County has no active NFIP flood policies on file. See the full Graham 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 | $75,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Low) |
| 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)