Home Insurance in Menlo, Kansas
With a median home value of $256,300, Menlo is 48% higher than the Thomas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Menlo was built around 1961. About 45% of homes were built before 1960, about 4 points above Thomas County's 41%.
Housing in Menlo breaks down to 100% single-family homes.
89% of owner-occupied homes in Menlo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Menlo are owner-occupied.
Most homes in Menlo - 100% - are primarily heated with natural gas.
Thomas County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Thomas County had 17 active NFIP flood policies as of September 2026. See the full Thomas 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 | $256,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 89% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Thomas County | 17 |
| 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)