Insurance in Mound Valley, KS

What we cover in Mound Valley

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Insurance in Mound Valley: the local picture

Mound Valley sits where Labette Creek meets the flat bottomlands just west of Big Hill Lake, so when spring thunderstorms roll in off the Neosho basin, hail and straight-line winds can strip shingles off the older frame houses along Main and Maple faster than you’d expect. Most homes here are 1970s ranch styles on concrete slabs, and while the city’s flood maps show only a handful of AE/AH pockets near the creek, the low-lying yards still pond after 3-inch rain events—especially where tile drainage is old or missing. If you’re insuring a Main Street storefront built in the 1950s, you’ll want to flag the roof’s age and the single-pane storefront; if it’s a newer detached shop near the lake, wind-rated shingles and a service-line endorsement can blunt surprise claims from golf-ball hail that bounces off Big Hill’s bluffs. Out east on 15000th Road, the scattered farmsteads with pole barns need commercial property policies that include hail deductibles set at the Kansas standard (usually 3–5% for agriculture) and, if they’re within a mile of Labette Creek, a separate flood buy-up because FEMA’s NFHL still marks some adjacent overland flow areas as AE even if the town center isn’t mapped high-risk. For personal lines, the tornado alley overlap means every home should carry at least a 10% AOP deductible and, if the roof is pre-2010, a hail-deck upgrade quote—local adjusters say 40% of Mound Valley claims in the last three years came from hail damage that looked cosmetic until the next west wind peeled the decking. The city’s own job postings rarely exceed clerical or public-works roles, so most workers commute to Parsons or Coffeyville; that means personal auto policies here see more highway miles on I-44 and US-160, pushing up underwriting scrutiny for garaging zip codes 67354 and 67341.

Population: 348 (2020)

Housing in Mound Valley

Most structures date to the 1940s–1970s; a smaller number of post-2000 manufactured homes are present on the periphery Frame and brick predominate in older neighborhoods; manufactured homes are common on the outskirts None designated None identified; housing stock is primarily older, owner-occupied single-family with modest turnover Typical asphalt-shingle roofs on 1950s–1970s frame/brick homes are 20–40 years old and will likely need replacement within the next decade without recent upgrades

Major local employers & who's hiring

• Bartlett Cooperative — services
• Bartlett Cooperative Associates — shopping

Local Mound Valley businesses

A few businesses that call Mound Valley home — independent of our agency.

• Bartlett Cooperative — ag-commercial
• Bartlett Cooperative Associates — ag-commercial
• Schierlman Trucking — trucking

Local landmarks & geography

• Labette Creek — Primary drainage/flood risk for Mound Valley; low-lying areas near the creek are in FEMA AE/AO flood zones, increasing flood and property risk for adjacent properties.
• Mound Valley Downtown Historic District — Listed NRHP; older commercial core with wood-frame and unreinforced masonry buildings raises property value but increases fire and wind damage risk; reconstruction cost inflation after disasters in historic cores.

Local facts that shape your coverage

• Mound Valley has a population of 348 as of the 2020 U.S. Census. — Baseline demographic for risk planning and insurance.
• Labette County has experienced multiple tornadoes and severe storms in recent years, with a notable event on July 12, 2010, producing 75 mph winds and significant damage in Oswego, just north of Mound Valley. — Documents tornado/severe weather frequency in the area surrounding Mound Valley.
• NOAA’s Storm Events Database records tornado touchdowns and hail reports in Labette County, including Mound Valley, during severe weather seasons. — Confirms historical severe weather incidence for the area.
• FEMA’s National Flood Hazard Layer (NFHL) indicates that while Labette County has flood-prone areas, Mound Valley’s city limits show minimal high-risk (AE/AH) flood zones on official maps. — Provides official flood risk context for property owners and insurers.
• Mound Valley’s 2020 population was 348, anchoring a rural service economy tied to Parsons (15 miles east) and Coffeyville (17 miles south). — Small population means fewer local underwriting resources; most premium volume is written by carriers using regional catastrophe models for southeast Kansas severe storms.

Local figures compiled from public sources: wikiwand.com · weather.gov · ncei.noaa.gov · floodriskpeek.com · en.wikipedia.org · weather.gov. Estimates — verify current details with the original source.

📄 Read the full Mound Valley insurance guide →

Insurance requirements in Kansas

Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.

Mound Valley, KS insurance — common questions

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