Home Insurance in Gorham, Kansas
With a median home value of $113,200, Gorham is close to the Russell County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gorham was built around 1975. About 35% of homes were built before 1960, about 22 points below Russell County's 56%.
Housing in Gorham breaks down to 86% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Gorham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gorham has an owner-occupancy rate of 65% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Gorham - 75% - are primarily heated with natural gas.
Russell County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $113,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)