Home Insurance in Salt Lick, Kentucky
With a median home value of $112,500, Salt Lick is 13% lower than the Bath County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Salt Lick was built around 1967. About 31% of homes were built before 1960, about 8 points above Bath County's 23%.
In Salt Lick, the housing stock is 72% single-family homes and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Salt Lick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Salt Lick has an owner-occupancy rate of 70% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
57% of homes in Salt Lick are primarily heated with natural gas.
What's the biggest home insurance risk near Salt Lick? FEMA's National Risk Index points to winter weather (Relatively Low) in Bath County and Bath County had 63 active NFIP flood policies as of September 2026. See the full Bath 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 | $112,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Bath County | 63 |
| 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)