Home Insurance in Leona, Kansas
The median home value in Leona is under $10,000.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Leona was built around 1965. About 50% of homes were built before 1960, about 8 points above Doniphan County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leona is 59% single-family homes and 41% mobile or manufactured homes.
Almost no owner-occupied homes in Leona carry a mortgage.
About 36% of occupied homes in Leona are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Leona - 79% - are primarily heated with propane. 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 Leona? FEMA's National Risk Index points to tornado (Relatively Low) in Doniphan County and Doniphan County had 86 active NFIP flood policies as of September 2026. See the full Doniphan 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 Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | under $10,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Doniphan County | 86 |
| 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)