Home Insurance in Lakin, Kansas
The median home value in Lakin is $170,000, 15% lower than the Kearny County median.
The typical home in Lakin was built around 1968. About 35% of homes were built before 1960, about 3 points above Kearny County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lakin is 85% single-family homes and 9% mobile or manufactured homes.
About 60% of owner-occupied homes in Lakin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Lakin are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Lakin are primarily heated with natural gas.
Kearny County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Kearny County had 9 active NFIP flood policies as of September 2026. See the full Kearny 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 | $170,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Kearny County | 9 |
| 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)