Home Insurance in South Russell, Ohio
With a median home value of $432,800, South Russell is 31% higher than the Geauga County median.
The typical home in South Russell was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 10 points below Geauga County's 29%.
In South Russell, the housing stock is 99% single-family homes.
About 59% of owner-occupied homes in South Russell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 99% of occupied homes in South Russell are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In South Russell, 83% of homes are primarily heated with natural gas.
Geauga County had 94 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Geauga 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 | $432,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Geauga County | 94 |
| 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)