Home Insurance in North Middletown, Kentucky
The median home value in North Middletown is $117,700, 49% lower than the Bourbon 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 North Middletown was built around 1970. About 31% of homes were built before 1960, about 2 points above Bourbon County's 29%.
The housing stock in North Middletown is 89% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 76% of owner-occupied homes in North Middletown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
North Middletown has an owner-occupancy rate of 64% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in North Middletown - 70% - are primarily heated with electricity.
FEMA rates Bourbon County's overall risk as Very Low, led by strong wind (Relatively Moderate). Bourbon County had 96 active NFIP flood policies as of September 2026. See the full Bourbon 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 | $117,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bourbon County | 96 |
| 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)