Home Insurance in Rossville, Kansas
Homes in Rossville carry a median value of $154,600 - 15% lower than the Shawnee County median.
The typical home in Rossville was built around 1966. About 42% of homes were built before 1960, about 9 points above Shawnee County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Rossville is 78% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 46% of owner-occupied homes in Rossville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Rossville are owner-occupied.
71% of homes in Rossville are primarily heated with natural gas.
What's the biggest home insurance risk near Rossville? FEMA's National Risk Index points to winter weather (Very High) in Shawnee County and Shawnee County had 776 active NFIP flood policies as of September 2026. See the full Shawnee 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 | $154,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Shawnee County | 776 |
| 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)