Home Insurance in Pleasanton, Kansas
The median home value in Pleasanton is $102,900, 41% lower than the Linn County median.
The typical home in Pleasanton was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 10 points above Linn County's 25%.
In Pleasanton, the housing stock is 73% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Pleasanton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pleasanton has an owner-occupancy rate of 57% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Pleasanton, 63% of homes are primarily heated with natural gas.
Linn County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Linn County had 19 active NFIP flood policies as of September 2026. See the full Linn County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $102,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Linn County | 19 |
| 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)