Home Insurance in Glasgow, Kentucky
The median home value in Glasgow is $173,900, close to the Barren County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Glasgow was built around 1977. About 23% of homes were built before 1960, about 5 points above Barren County's 18%.
Housing in Glasgow breaks down to 61% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Glasgow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Glasgow are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Glasgow, 50% of homes are primarily heated with natural gas.
Barren County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Barren County had 30 active NFIP flood policies as of September 2026. See the full Barren County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $173,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Barren County | 30 |
| 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)