Home Insurance in Smolan, Kansas
The median home value in Smolan is $126,100, 30% lower than the Saline County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Smolan was built in 1939 or earlier. About 64% of homes were built before 1960, about 20 points above Saline County's 44%.
The housing stock in Smolan is 88% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Smolan, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Smolan has an owner-occupancy rate of 73% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Smolan - 66% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Saline County had 218 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $126,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)