Home Insurance in Woodston, Kansas
With a median home value of $38,000, Woodston is 57% lower than the Rooks County median.
The median home in Woodston was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 94% of homes were built before 1960, about 31 points above Rooks County's 64%.
In Woodston, the housing stock is 100% single-family homes.
About 8% of owner-occupied homes in Woodston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Woodston has an owner-occupancy rate of 100% and a vacancy rate of 49%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Woodston - 64% - are primarily heated with wood.
FEMA rates Rooks County's overall risk as Very Low, led by hail (Relatively Moderate). Rooks County had 3 active NFIP flood policies as of September 2026. See the full Rooks 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 | $38,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rooks County | 3 |
| 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)