Home Insurance in Rush County, Kansas
The median home value in Rush County is $83,600, 62% lower than the Kansas median.
The typical home in Rush County was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 33 points above Kansas's 32%.
The housing stock in Rush County is 93% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Rush County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Rush County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rush County - 67% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Rush County, per FEMA's National Risk Index, are hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low).
Rush County had 8 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $83,600 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)