Home Insurance in Liebenthal, Kansas
With a median home value of $45,600, Liebenthal is 45% lower than the Rush County median.
The typical home in Liebenthal was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 9 points below Rush County's 66%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Liebenthal is 90% single-family homes and 10% mobile or manufactured homes.
About 19% of owner-occupied homes in Liebenthal have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Liebenthal are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Liebenthal - 68% - 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.
FEMA rates Rush County's overall risk as Very Low, led by hail (Relatively Low). Rush County had 8 active NFIP flood policies as of September 2026. See the full Rush County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $45,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Rush County | 8 |
| 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)