Home Insurance in Park City, Kentucky
Homes in Park City carry a median value of $150,000 - 16% lower than the Barren County median.
The typical home in Park City was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 26 points above Barren County's 18%.
In Park City, the housing stock is 82% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Park City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Park City are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Park City, 52% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Park City? FEMA's National Risk Index points to hail (Relatively Moderate) in Barren County and 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.
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 | $150,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)