Home Insurance in Linn County, Kansas
With a median home value of $173,600, Linn County is 20% lower than the Kansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Linn County was built around 1983. About 25% of homes were built before 1960, about 8 points below Kansas's 32%.
The housing stock in Linn County is 82% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Linn County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Linn County are owner-occupied.
37% of homes in Linn County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Linn County, per FEMA's National Risk Index, are winter weather (Relatively Low), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Linn County has 19 active NFIP flood policies on file.
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 | $173,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 19 |
| 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)