Home Insurance in Lincoln County, Kansas
With a median home value of $96,900, Lincoln County is 55% lower than the Kansas median.
The median home in Lincoln County was built in 1939 or earlier. About 69% of homes were built before 1960, about 37 points above Kansas's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lincoln County is 90% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lincoln County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lincoln County has an owner-occupancy rate of 80% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lincoln County, 43% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Lincoln County's top hazards are hail (Relatively Moderate), wildfire (Very Low) and winter weather (Relatively Low).
As of September 2026, Lincoln County has 6 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $96,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)