Home Insurance in Leavenworth, Indiana
With a median home value of $130,200, Leavenworth is 11% higher than the Crawford 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 Leavenworth was built around 1952. About 53% of homes were built before 1960, about 34 points above Crawford County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leavenworth is 83% single-family homes, 6% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Leavenworth, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leavenworth has an owner-occupancy rate of 85% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
48% of homes in Leavenworth are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Leavenworth? FEMA's National Risk Index points to tornado (Relatively Low) in Crawford County and Crawford County had 18 active NFIP flood policies as of September 2026. See the full Crawford 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 Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $130,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Crawford County | 18 |
| Home insurance premium | $1,259 - 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)