Home Insurance in Lindsborg, Kansas
The median home value in Lindsborg is $188,000, 11% lower than the McPherson County median.
The typical home in Lindsborg was built around 1963. About 47% of homes were built before 1960, about 11 points above McPherson County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lindsborg, the housing stock is 87% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
64% of owner-occupied homes in Lindsborg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lindsborg has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Lindsborg - 80% - are primarily heated with natural gas.
FEMA rates McPherson County's overall risk as Very Low, led by winter weather (Relatively Moderate). McPherson County had 93 active NFIP flood policies as of September 2026. See the full McPherson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $188,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in McPherson County | 93 |
| 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)