Home Insurance in Winona, Kansas
Homes in Winona carry a median value of $110,000 - 7% lower than the Logan County median.
The median home in Winona was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 74% of homes were built before 1960, about 21 points above Logan County's 53%.
The housing stock in Winona is 99% single-family homes.
36% of owner-occupied homes in Winona carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Winona has an owner-occupancy rate of 69% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Winona - 70% - 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.
Logan County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Logan County has no active NFIP flood policies on file. See the full Logan 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 | $110,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Low) |
| 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)