Home Insurance in Ashland, Kentucky
Homes in Ashland carry a median value of $125,000 - close to the Boyd County median.
The typical home in Ashland was built around 1965. About 40% of homes were built before 1960, about 10 points above Boyd County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Ashland is 76% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Ashland, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Ashland are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ashland - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Ashland? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Boyd County and Boyd County had 259 active NFIP flood policies as of September 2026. See the full Boyd County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $125,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Boyd County | 259 |
| 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)