Home Insurance in Russell County, Kansas
Homes in Russell County carry a median value of $119,000 - 45% lower than the Kansas median.
The typical home in Russell County was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 24 points above Kansas's 32%.
In Russell County, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
50% of owner-occupied homes in Russell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Russell County has an owner-occupancy rate of 75% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Russell County - 69% - 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.
Per FEMA's National Risk Index, Russell County's top hazards are hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Russell County has 3 active NFIP flood policies on file.
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 | $119,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| 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)