Home Insurance in Russell County, Kentucky
With a median home value of $163,200, Russell County is 21% lower than the Kentucky median.
The typical home in Russell County was built around 1991. About 10% of homes were built before 1960, about 11 points below Kentucky's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Russell County is 71% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
44% of owner-occupied homes in Russell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Russell County are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Russell County - 88% - are primarily heated with electricity.
The top hazards for Russell County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), tornado (Relatively Low) and hail (Relatively Low).
Russell County had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $163,200 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Tornado (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $1,525 - 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)