Home Insurance in Langdon, Kansas
The median home value in Langdon is $38,500, 71% lower than the Reno County median.
The typical home in Langdon was built around 1953. About 71% of homes were built before 1960, about 23 points above Reno County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Langdon, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Langdon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Langdon has an owner-occupancy rate of 90% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 95% of homes in Langdon are primarily heated with natural gas.
Reno County had 213 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $38,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)