Home Insurance in Barlow, Kentucky
The median home value in Barlow is $68,100, 53% lower than the Ballard County median.
The typical home in Barlow was built around 1977. About 15% of homes were built before 1960, about 8 points below Ballard County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Barlow, the housing stock is 53% single-family homes, 19% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Barlow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Barlow are owner-occupied.
61% of homes in Barlow are primarily heated with electricity.
FEMA rates Ballard County's overall risk as Very Low, led by earthquake (Relatively Low). Ballard County had 20 active NFIP flood policies as of September 2026. See the full Ballard County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $68,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ballard County | 20 |
| 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)