Home Insurance in Corning, Kansas
Homes in Corning carry a median value of $135,000 - 38% lower than the Nemaha County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Corning was built around 1946. About 60% of homes were built before 1960, about 23 points above Nemaha County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Corning is 86% single-family homes and 14% mobile or manufactured homes.
About 42% of owner-occupied homes in Corning have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Corning has an owner-occupancy rate of 97% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
79% of homes in Corning are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Nemaha County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Nemaha County had 5 active NFIP flood policies as of September 2026. See the full Nemaha 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 | $135,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nemaha County | 5 |
| 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)