Home Insurance in Edna, Kansas
Homes in Edna carry a median value of $90,000 - close to the Labette County median.
The typical home in Edna was built around 1959. About 53% of homes were built before 1960, in line with Labette County (53%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Edna, the housing stock is 81% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Edna, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Edna are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Edna, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Edna? FEMA's National Risk Index points to tornado (Relatively Moderate) in Labette County and Labette County had 82 active NFIP flood policies as of September 2026. See the full Labette 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 | $90,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Labette County | 82 |
| 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)