Home Insurance in Russellville, Missouri
Homes in Russellville carry a median value of $166,500 - 27% lower than the Cole County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Russellville was built around 1964. About 44% of homes were built before 1960, about 24 points above Cole County's 20%.
Housing in Russellville breaks down to 90% single-family homes, 3% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Russellville, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Russellville are owner-occupied.
Most homes in Russellville - 52% - are primarily heated with natural gas.
What's the biggest home insurance risk near Russellville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Cole County and Cole County had 114 active NFIP flood policies as of September 2026. See the full Cole 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 Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $166,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cole County | 114 |
| Home insurance premium | $1,589 - 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)