Home Insurance in La Center, Kentucky
With a median home value of $92,300, La Center is 37% lower than the Ballard County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in La Center was built around 1971. About 43% of homes were built before 1960, about 21 points above Ballard County's 23%.
In La Center, the housing stock is 75% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in La Center carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in La Center are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in La Center are primarily heated with electricity.
Ballard County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $92,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)