Home Insurance in Rush Center, Kansas
With a median home value of $81,700, Rush Center is close to the Rush County median.
The typical home in Rush Center was built around 1955. About 57% of homes were built before 1960, about 9 points below Rush County's 66%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Rush Center, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Rush Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Rush Center are owner-occupied.
62% of homes in Rush Center are primarily heated with natural gas.
FEMA rates Rush County's overall risk as Very Low, led by hail (Relatively Low). Rush County had 8 active NFIP flood policies as of September 2026. 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 | $81,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)