Home Insurance in Middlesborough, Kentucky
With a median home value of $99,900, Middlesborough is 12% higher than the Bell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Middlesborough was built around 1973. About 33% of homes were built before 1960, about 11 points above Bell County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Middlesborough is 61% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Middlesborough carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Middlesborough are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Middlesborough, 78% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Middlesborough? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Bell County and Bell County had 235 active NFIP flood policies as of September 2026. See the full Bell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $99,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Bell County | 235 |
| 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)