Home Insurance in Walton, Kentucky
Homes in Walton carry a median value of $262,200 - 5% lower than the Boone County median.
The typical home in Walton was built around 2002. About 20% of homes were built before 1960, about 11 points above Boone County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Walton breaks down to 81% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Walton, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Walton are owner-occupied.
In Walton, 59% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Walton? FEMA's National Risk Index points to strong wind (Relatively High) in Boone County and Boone County had 64 active NFIP flood policies as of September 2026. See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $262,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Boone County | 64 |
| 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)