Home Insurance in Roseland, Kansas
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Roseland was built around 1972. About 45% of homes were built before 1960, in line with Cherokee County (45%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Roseland is 48% single-family homes and 50% mobile or manufactured homes.
In Roseland, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roseland has an owner-occupancy rate of 93% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Roseland - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Roseland? FEMA's National Risk Index points to tornado (Relatively Moderate) in Cherokee County and Cherokee County had 43 active NFIP flood policies as of September 2026. See the full Cherokee 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 year built | 1972 |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cherokee County | 43 |
| 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)