Home Insurance in Rozel, Kansas
The median home value in Rozel is $47,500, 49% lower than the Pawnee County median.
The typical home in Rozel was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 8 points below Pawnee County's 58%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rozel is 97% single-family homes and 3% mobile or manufactured homes.
26% of owner-occupied homes in Rozel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rozel has an owner-occupancy rate of 95% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Rozel - 88% - are primarily heated with natural gas.
Pawnee County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Pawnee County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $47,500 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pawnee County | 26 |
| 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)