Home Insurance in Leavenworth County, Kansas
The median home value in Leavenworth County is $282,900, 30% higher than the Kansas median.
The typical home in Leavenworth County was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 5 points below Kansas's 32%.
Housing in Leavenworth County breaks down to 84% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 63% of owner-occupied homes in Leavenworth County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Leavenworth County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leavenworth County, 60% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Leavenworth County's top hazards are winter weather (Relatively High), tornado (Relatively Moderate) and hail (Relatively Moderate).
As of September 2026, Leavenworth County has 148 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $282,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Tornado (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 148 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)