Home Insurance in Roseland, Indiana
With a median home value of $122,500, Roseland is 36% lower than the St. Joseph County median.
The typical home in Roseland was built around 1973. About 42% of homes were built before 1960, in line with St. Joseph County (42%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Roseland breaks down to 46% single-family homes and 46% apartments in buildings with 5+ units.
73% of owner-occupied homes in Roseland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 28% of occupied homes in Roseland are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Roseland, 54% of homes are primarily heated with natural gas.
St. Joseph County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. St. Joseph County had 260 active NFIP flood policies as of September 2026. See the full St. Joseph 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 Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $122,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 28% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in St. Joseph County | 260 |
| Home insurance premium | $1,259 - 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)