Home Insurance in Dorrance, Kansas
The median home value in Dorrance is $108,800, 9% lower than the Russell County median.
The typical home in Dorrance was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 2 points above Russell County's 56%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dorrance is 90% single-family homes and 10% mobile or manufactured homes.
25% of owner-occupied homes in Dorrance carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Dorrance are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dorrance - 68% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Russell County's overall risk as Very Low, led by hail (Relatively Low). Russell County had 3 active NFIP flood policies as of September 2026. See the full Russell 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 | $108,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Russell County | 3 |
| 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)