Home Insurance in Salina, Kansas
The median home value in Salina is $173,200, close to the Saline County median.
The typical home in Salina was built around 1965. About 45% of homes were built before 1960, in line with Saline County (44%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Salina is 80% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
57% of owner-occupied homes in Salina carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Salina are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Salina - 70% - are primarily heated with natural gas.
Saline County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Saline County had 218 active NFIP flood policies as of September 2026. See the full Saline 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 | $173,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Saline County | 218 |
| 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)