Home Insurance in Lecompton, Kansas
Homes in Lecompton carry a median value of $203,800 - 34% lower than the Douglas County median.
The typical home in Lecompton was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 21 points above Douglas County's 18%.
The housing stock in Lecompton is 75% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Lecompton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lecompton has an owner-occupancy rate of 73% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Lecompton - 81% - are primarily heated with natural gas.
Douglas County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $203,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)