Home Insurance in Russellville, Ohio
With a median home value of $111,500, Russellville is 43% lower than the Brown County median.
The typical home in Russellville was built around 1966. About 45% of homes were built before 1960, about 19 points above Brown County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Russellville is 89% single-family homes and 9% mobile or manufactured homes.
In Russellville, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Russellville has an owner-occupancy rate of 66% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
49% of homes in Russellville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Russellville? FEMA's National Risk Index points to strong wind (Relatively High) in Brown County and Brown County had 100 active NFIP flood policies as of September 2026. See the full Brown 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 Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $111,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Brown County | 100 |
| Home insurance premium | $1,116 - 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)