Home Insurance in Leawood, Missouri
With a median home value of $251,900, Leawood is 32% higher than the Newton County median.
The typical home in Leawood was built around 1983. About 3% of homes were built before 1960, about 19 points below Newton County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Leawood is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Leawood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Leawood are owner-occupied.
Most homes in Leawood - 59% - are primarily heated with natural gas.
What's the biggest home insurance risk near Leawood? FEMA's National Risk Index points to tornado (Relatively Moderate) in Newton County and Newton County had 175 active NFIP flood policies as of September 2026. See the full Newton County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Missouri, the statewide average premium for a standard HO-3 homeowners policy is $1,589 per year (NAIC, 2023 data).
Key figures
| Median home value | $251,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Newton County | 175 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
- Cliff Village
- Shoal Creek Estates
- Dennis Acres
- Redings Mill
- Shoal Creek Drive
- Saginaw
- Grand Falls Plaza
- Joplin
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)