Home Insurance in Logan, Kansas
Homes in Logan carry a median value of $77,100 - 20% lower than the Phillips County median.
The typical home in Logan was built around 1963. About 41% of homes were built before 1960, about 8 points below Phillips County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Logan, the housing stock is 87% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Logan, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Logan has an owner-occupancy rate of 75% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Logan - 72% - are primarily heated with natural gas.
Phillips County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively High). See the full Phillips 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 | $77,100 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)