Home Insurance in Lawrence, Kansas
With a median home value of $292,700, Lawrence is 5% lower than the Douglas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lawrence was built around 1988. About 17% of homes were built before 1960, about 1 point below Douglas County's 18%.
The housing stock in Lawrence is 56% single-family homes, 32% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Lawrence carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lawrence has an owner-occupancy rate of 44% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
63% of homes in Lawrence are primarily heated with natural gas.
What's the biggest home insurance risk near Lawrence? FEMA's National Risk Index points to winter weather (Very High) in Douglas County and Douglas County had 295 active NFIP flood policies as of September 2026. See the full Douglas 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 | $292,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Douglas County | 295 |
| 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)