Home Insurance in Leawood, Kansas
With a median home value of $658,800, Leawood is 68% higher than the Johnson County median.
The typical home in Leawood was built around 1989. About 16% of homes were built before 1960, about 2 points above Johnson County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Leawood, the housing stock is 89% single-family homes and 10% apartments in buildings with 5+ units.
63% of owner-occupied homes in Leawood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Leawood are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Leawood are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Johnson County had 751 active NFIP flood policies as of September 2026. See the full Johnson 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 | $658,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Johnson County | 751 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
- Overland Park
- Prairie Village
- Mission Hills
- Fairway
- Merriam
- Mission Woods
- Roeland Park
- Westwood Hills
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)