Home Insurance in Russell Springs, Kansas
Homes in Russell Springs carry a median value of $76,700 - 35% lower than the Logan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Russell Springs was built in 1939 or earlier. About 79% of homes were built before 1960, about 25 points above Logan County's 53%.
Housing in Russell Springs breaks down to 100% single-family homes.
7% of owner-occupied homes in Russell Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Russell Springs are owner-occupied.
Most homes in Russell Springs - 100% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Logan County's overall risk as Very Low, led by hail (Relatively Low). Logan County has no active NFIP flood policies on file. See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $76,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Hail (Relatively Low) |
| 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)