Home Insurance in Lenora, Kansas
The median home value in Lenora is $46,100, 55% lower than the Norton County median.
The median home in Lenora was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 15 points above Norton County's 52%.
Housing in Lenora breaks down to 90% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 13% of owner-occupied homes in Lenora have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Lenora are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lenora, 86% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Norton County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Norton County had 6 active NFIP flood policies as of September 2026. See the full Norton 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 | $46,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Norton County | 6 |
| 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)