Home Insurance in Liberty, Kansas
Homes in Liberty carry a median value of $44,200 - 57% lower than the Montgomery County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Liberty was built around 1957. About 55% of homes were built before 1960, about 2 points above Montgomery County's 53%.
In Liberty, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Liberty, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Liberty has an owner-occupancy rate of 95% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Liberty, 72% of homes are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Montgomery County had 111 active NFIP flood policies as of September 2026. See the full Montgomery 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 | $44,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 111 |
| 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)