Home Insurance in Morrowville, Kansas
Homes in Morrowville carry a median value of $41,700 - 64% lower than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Morrowville was built around 1944. About 66% of homes were built before 1960, about 6 points above Washington County's 60%.
Housing in Morrowville breaks down to 90% single-family homes.
In Morrowville, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Morrowville are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Morrowville - 96% - are primarily heated with natural gas.
Washington County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Washington 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 | $41,700 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Washington County | 5 |
| 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)