Home Insurance in Arlington, Kansas
Homes in Arlington carry a median value of $73,000 - 45% lower than the Reno 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 Arlington was built around 1950. About 58% of homes were built before 1960, about 11 points above Reno County's 47%.
In Arlington, the housing stock is 95% single-family homes and 3% mobile or manufactured homes.
About 49% of owner-occupied homes in Arlington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arlington has an owner-occupancy rate of 61% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Arlington - 58% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Reno County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Reno County had 213 active NFIP flood policies as of September 2026. See the full Reno 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 | $73,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Reno County | 213 |
| 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)