Home Insurance in Scottsville, Kentucky
Homes in Scottsville carry a median value of $160,700 - 16% lower than the Allen County median.
The typical home in Scottsville was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 9 points above Allen County's 16%.
The housing stock in Scottsville is 63% single-family homes, 21% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Scottsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Scottsville has an owner-occupancy rate of 44% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Scottsville - 70% - are primarily heated with electricity.
FEMA rates Allen County's overall risk as Very Low, led by hail (Relatively Moderate). Allen County had 17 active NFIP flood policies as of September 2026. See the full Allen 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 Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $160,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Allen County | 17 |
| Home insurance premium | $1,525 - 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)