Home Insurance in Lee's Summit, Missouri
Homes in Lee's Summit carry a median value of $340,900 - 48% higher than the Jackson County median.
The typical home in Lee's Summit was built around 1994. About 7% of homes were built before 1960, about 30 points below Jackson County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lee's Summit is 81% single-family homes and 14% apartments in buildings with 5+ units.
In Lee's Summit, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Lee's Summit are owner-occupied.
In Lee's Summit, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lee's Summit? FEMA's National Risk Index points to tornado (Very High) in Jackson County and Jackson County had 888 active NFIP flood policies as of September 2026. See the full Jackson 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 Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $340,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jackson County | 888 |
| Home insurance premium | $1,589 - 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)