Home Insurance in Iuka, Kansas
With a median home value of $95,000, Iuka is 17% lower than the Pratt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Iuka was built around 1946. About 78% of homes were built before 1960, about 23 points above Pratt County's 55%.
In Iuka, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Iuka, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Iuka has an owner-occupancy rate of 50% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
86% of homes in Iuka are primarily heated with natural gas.
Pratt County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Pratt County had 12 active NFIP flood policies as of September 2026. See the full Pratt 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 | $95,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pratt County | 12 |
| 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)