Kentucky Home InsuranceHome insurance in Kentucky
Kentucky recorded 1,001 damaging hail events in the last 10 years, and they did not fall evenly. Where you live in the state changes the answer — start with your city.
Start with your city
Hail, flood discounts and the age of the housing all change from one part of Kentucky to the next, and those are what move a premium. Each of these covers one city in detail:
| City | County hail, 10 yrs | Flood discount | Typical home built |
|---|---|---|---|
| Lexington | 15 | None | 1983 |
| Louisville | 47 | None | — |
Hail: NOAA Storm Events, events of one inch or larger in the city's county. Flood discount: FEMA Community Rating System. Housing: Census ACS.
Kentucky's housing
The typical Kentucky home was built in 1982, and the median owner-occupied home is valued at $192,300. 68.3% of occupied homes are lived in by their owners.
10.8% of Kentucky homes are manufactured or mobile. Those are insured on a different form (HO-7), not the standard homeowners policy, and the difference matters at claim time.
Source: US Census Bureau, American Community Survey 2023 5-year.