Home Insurance in Russell, Kansas
The median home value in Russell is $135,600, 14% higher than the Russell County median.
The typical home in Russell was built around 1957. About 58% of homes were built before 1960, about 1 point above Russell County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Russell is 91% single-family homes and 8% apartments in buildings with 5+ units.
In Russell, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Russell has an owner-occupancy rate of 72% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Russell - 78% - are primarily heated with natural gas.
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.
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 | $135,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)