Home Insurance in Wickliffe, Kentucky
With a median home value of $68,400, Wickliffe is 53% lower than the Ballard County median.
The typical home in Wickliffe was built around 1965. About 36% of homes were built before 1960, about 13 points above Ballard County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Wickliffe, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wickliffe, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Wickliffe are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
51% of homes in Wickliffe 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 | $68,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)