Home Insurance in Almena, Kansas
The median home value in Almena is $107,100, 6% higher than the Norton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Almena was built around 1952. About 57% of homes were built before 1960, about 5 points above Norton County's 52%.
In Almena, the housing stock is 94% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
66% of owner-occupied homes in Almena carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Almena are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Almena - 79% - are primarily heated with natural gas.
Norton County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Norton County had 6 active NFIP flood policies as of September 2026. See the full Norton 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 | $107,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Norton County | 6 |
| 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)