Home Insurance in Mullinville, Kansas
Homes in Mullinville carry a median value of $57,700 - 63% lower than the Kiowa County median.
The typical home in Mullinville was built around 1958. About 54% of homes were built before 1960, about 18 points above Kiowa County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Mullinville is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Mullinville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mullinville has an owner-occupancy rate of 62% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Mullinville - 90% - are primarily heated with natural gas.
FEMA rates Kiowa County's overall risk as Very Low, led by wildfire (Relatively Low). Kiowa County had 2 active NFIP flood policies as of September 2026. See the full Kiowa County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $57,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kiowa 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)