Home Insurance in Altoona, Kansas
The median home value in Altoona is $48,000, 49% lower than the Wilson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Altoona was built around 1971. About 46% of homes were built before 1960, in line with Wilson County (47%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Altoona is 73% single-family homes and 27% mobile or manufactured homes.
In Altoona, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Altoona are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Altoona, 62% of homes are primarily heated with natural gas.
Wilson County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Wilson 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 | $48,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Wilson County | 40 |
| 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)