Home Insurance in Linwood, Kansas
With a median home value of $215,800, Linwood is 24% lower than the Leavenworth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Linwood was built around 1990. About 43% of homes were built before 1960, about 16 points above Leavenworth County's 27%.
The housing stock in Linwood is 83% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Linwood, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Linwood are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Linwood - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Linwood? 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.
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 | $215,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)