Home Insurance in Mound Valley, Kansas
With a median home value of $42,600, Mound Valley is 55% lower than the Labette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mound Valley was built around 1972. About 46% of homes were built before 1960, about 6 points below Labette County's 53%.
In Mound Valley, the housing stock is 67% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in Mound Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mound Valley has an owner-occupancy rate of 85% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
53% of homes in Mound Valley are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Labette County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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 | $42,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)