Home Insurance in Lincoln Center, Kansas
Homes in Lincoln Center carry a median value of $68,500 - 29% lower than the Lincoln County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lincoln Center was built around 1953. About 57% of homes were built before 1960, about 12 points below Lincoln County's 69%.
In Lincoln Center, the housing stock is 82% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Lincoln Center, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lincoln Center has an owner-occupancy rate of 68% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Lincoln Center - 72% - are primarily heated with natural gas.
Lincoln County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Lincoln 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 | $68,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 6 |
| 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)