Home Insurance in Oskaloosa, Kansas
Homes in Oskaloosa carry a median value of $183,100 - 16% lower than the Jefferson County median.
The typical home in Oskaloosa was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 7 points above Jefferson County's 26%.
In Oskaloosa, the housing stock is 83% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Oskaloosa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Oskaloosa are owner-occupied.
In Oskaloosa, 77% of homes are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Jefferson County had 52 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $183,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jefferson County | 52 |
| 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)