Home Insurance in Marion County, Kansas
Homes in Marion County carry a median value of $124,200 - 43% lower than the Kansas median.
The typical home in Marion County was built around 1957. About 55% of homes were built before 1960, about 22 points above Kansas's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Marion County, the housing stock is 89% single-family homes, 3% 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.
In Marion County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
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 Marion County are owner-occupied.
In Marion County, 57% of homes 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.
The top hazards for Marion County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate).
As of September 2026, Marion County has 15 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $124,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 15 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
- Burns
- Durham
- Florence
- Goessel
- Hillsboro
- Lehigh
- Lincolnville
- Lost Springs
- Marion
- Peabody
- Ramona
- Tampa
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)