Home Insurance in Oswego, Kansas
With a median home value of $82,700, Oswego is 13% lower than the Labette County median.
The typical home in Oswego was built around 1957. About 55% of homes were built before 1960, about 2 points above Labette County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Oswego is 89% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Oswego, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oswego has an owner-occupancy rate of 65% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
82% of homes in Oswego are primarily heated with natural gas.
FEMA rates Labette County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Labette County had 82 active NFIP flood policies as of September 2026. See the full Labette 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 | $82,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Labette County | 82 |
| 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)