Home Insurance in Sylvan Grove, Kansas
With a median home value of $90,300, Sylvan Grove is 7% 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 median home in Sylvan Grove was built in 1939 or earlier. About 81% of homes were built before 1960, about 12 points above Lincoln County's 69%.
The housing stock in Sylvan Grove is 97% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
31% of owner-occupied homes in Sylvan Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sylvan Grove has an owner-occupancy rate of 85% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Sylvan Grove - 71% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lincoln County's overall risk as Very Low, led by hail (Relatively Moderate). Lincoln County had 6 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $90,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)