Home Insurance in Moscow, Kansas
The median home value in Moscow is $72,000, 44% lower than the Stevens County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Moscow was built around 1984. About 24% of homes were built before 1960, about 7 points below Stevens County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moscow is 42% single-family homes and 54% mobile or manufactured homes.
About 33% of owner-occupied homes in Moscow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moscow has an owner-occupancy rate of 79% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
86% of homes in Moscow are primarily heated with natural gas.
Stevens County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Stevens County has no active NFIP flood policies on file. See the full Stevens County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $72,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)