Home Insurance in Leonardville, Kansas
The median home value in Leonardville is $110,400, 53% lower than the Riley County median.
The typical home in Leonardville was built around 1956. About 58% of homes were built before 1960, about 37 points above Riley County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leonardville is 73% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Leonardville, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Leonardville are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leonardville, 54% of homes are primarily heated with propane.
FEMA rates Riley County's overall risk as Relatively Low, led by winter weather (Relatively High). Riley County had 364 active NFIP flood policies as of September 2026. See the full Riley 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 | $110,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Riley County | 364 |
| 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)