Home Insurance in Leavenworth, Kansas
The median home value in Leavenworth is $193,000, 32% lower than the Leavenworth County median.
The typical home in Leavenworth was built around 1969. About 41% of homes were built before 1960, about 14 points above Leavenworth County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Leavenworth breaks down to 77% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 59% of owner-occupied homes in Leavenworth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leavenworth has an owner-occupancy rate of 52% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
70% of homes in Leavenworth are primarily heated with natural gas.
What's the biggest home insurance risk near Leavenworth? FEMA's National Risk Index points to winter weather (Relatively High) in Leavenworth County and Leavenworth County had 148 active NFIP flood policies as of September 2026. See the full Leavenworth 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 | $193,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Leavenworth County | 148 |
| 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)