Home Insurance in Russellville, Illinois
The typical home in Russellville was built around 1986. About 37% of homes were built before 1960, about 10 points below Lawrence County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Russellville is 78% single-family homes and 14% mobile or manufactured homes.
Almost no owner-occupied homes in Russellville carry a mortgage.
Russellville has an owner-occupancy rate of 86% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
In Russellville, 59% of homes are primarily heated with natural gas.
FEMA rates Lawrence County's overall risk as Relatively Low, led by earthquake (Relatively Low). Lawrence County had 12 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Illinois is $1,480 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1986 |
|---|---|
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lawrence County | 12 |
| Home insurance premium | $1,480 - 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)