Home Insurance in Alton, Kansas
The median home value in Alton is $32,500, 62% lower than the Osborne County median.
The median home in Alton 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 90% of homes were built before 1960, about 28 points above Osborne County's 62%.
The housing stock in Alton is 100% single-family homes.
About 22% of owner-occupied homes in Alton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Alton has an owner-occupancy rate of 63% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Alton - 91% - 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.
FEMA rates Osborne County's overall risk as Very Low, led by hail (Relatively High). Osborne County has no active NFIP flood policies on file. See the full Osborne 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 | $32,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Hail (Relatively High) |
| 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)