Home Insurance in Tonganoxie, Kansas
With a median home value of $261,700, Tonganoxie is 7% lower than the Leavenworth County median.
The typical home in Tonganoxie was built around 1996. About 17% of homes were built before 1960, about 10 points below Leavenworth County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Tonganoxie, the housing stock is 77% single-family homes and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Tonganoxie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Tonganoxie are owner-occupied.
72% of homes in Tonganoxie are primarily heated with natural gas.
What's the biggest home insurance risk near Tonganoxie? 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.
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 | $261,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)