Home Insurance in Logan County, Kansas
Homes in Logan County carry a median value of $117,900 - 46% lower than the Kansas median.
The typical home in Logan County was built around 1959. About 53% of homes were built before 1960, about 21 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Logan County, the housing stock is 89% single-family homes, 1% 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.
46% of owner-occupied homes in Logan County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Logan County has an owner-occupancy rate of 65% and a vacancy rate of 9%; 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. 75% of homes in Logan County are primarily heated with natural gas.
Per FEMA's National Risk Index, Logan County's top hazards are hail (Relatively Low), strong wind (Relatively Moderate) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Logan County has no 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 | $117,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Strong Wind (Relatively Moderate), Winter Weather (Relatively Low) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
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)