Home Insurance in La Crosse, Kansas
Homes in La Crosse carry a median value of $84,600 - close to the Rush County median.
The typical home in La Crosse was built around 1955. About 57% of homes were built before 1960, about 9 points below Rush County's 66%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in La Crosse breaks down to 89% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 30% of owner-occupied homes in La Crosse have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
La Crosse has an owner-occupancy rate of 66% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
85% of homes in La Crosse are primarily heated with natural gas.
Rush County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Rush 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 | $84,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Rush County | 8 |
| 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)