Home Insurance in LeRoy, Kansas
With a median home value of $92,400, LeRoy is 41% lower than the Coffey County median.
The typical home in LeRoy was built around 1972. About 41% of homes were built before 1960, in line with Coffey County (41%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in LeRoy is 88% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In LeRoy, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
LeRoy has an owner-occupancy rate of 71% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in LeRoy - 78% - are primarily heated with natural gas.
Coffey County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Coffey 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 | $92,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Coffey County | 11 |
| 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)