Home Insurance in Lebanon, Kansas
With a median home value of $43,500, Lebanon is 54% lower than the Smith County median.
The median home in Lebanon 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 82% of homes were built before 1960, about 26 points above Smith County's 56%.
Housing in Lebanon breaks down to 95% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
21% of owner-occupied homes in Lebanon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lebanon has an owner-occupancy rate of 91% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
83% of homes in Lebanon are primarily heated with natural gas.
Smith County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively High). See the full Smith 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 | $43,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively High) |
| 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)