Home Insurance in Roeland Park, Kansas
Homes in Roeland Park carry a median value of $276,200 - 29% lower than the Johnson County median.
The typical home in Roeland Park was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 77% of homes were built before 1960, about 64 points above Johnson County's 14%.
In Roeland Park, the housing stock is 88% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Roeland Park, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Roeland Park are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Roeland Park are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Johnson County had 751 active NFIP flood policies as of September 2026. See the full Johnson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $276,200 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Johnson County | 751 |
| 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)