Home Insurance in Lucas, Kansas
The median home value in Lucas is $58,500, 51% lower than the Russell County median.
The typical home in Lucas was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, in line with Russell County (56%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lucas is 83% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 34% of owner-occupied homes in Lucas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lucas has an owner-occupancy rate of 85% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Lucas, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lucas? FEMA's National Risk Index points to hail (Relatively Low) in Russell County and 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 | $58,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)