Home Insurance in Larned, Kansas
Homes in Larned carry a median value of $94,500 - close to the Pawnee County median.
The typical home in Larned was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 1 point below Pawnee County's 58%.
In Larned, the housing stock is 77% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Larned carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Larned has an owner-occupancy rate of 59% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Larned, 67% of homes are primarily heated with natural gas.
Pawnee County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Pawnee County had 26 active NFIP flood policies as of September 2026. See the full Pawnee 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 | $94,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pawnee County | 26 |
| 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)