Home Insurance in Rose Hill, Kansas
Homes in Rose Hill carry a median value of $219,900 - close to the Butler County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rose Hill was built around 1993. About 8% of homes were built before 1960, about 19 points below Butler County's 27%.
Housing in Rose Hill breaks down to 89% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
80% of owner-occupied homes in Rose Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Rose Hill are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rose Hill, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Rose Hill? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Butler County and Butler County had 181 active NFIP flood policies as of September 2026. See the full Butler County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $219,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Butler County | 181 |
| 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)