Home Insurance in Munden, Kansas
The median home value in Munden is $30,000, 60% lower than the Republic County median.
The median home in Munden was built in 1939 or earlier. About 62% of homes were built before 1960, about 3 points below Republic County's 65%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Munden is 79% single-family homes and 15% mobile or manufactured homes.
8% of owner-occupied homes in Munden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Munden has an owner-occupancy rate of 88% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
93% of homes in Munden are primarily heated with natural gas.
Republic County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Republic County had 15 active NFIP flood policies as of September 2026. See the full Republic County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $30,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Republic County | 15 |
| 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)