Home Insurance in Catlettsburg, Kentucky
With a median home value of $82,500, Catlettsburg is 37% lower than the Boyd County median.
The typical home in Catlettsburg was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 28 points above Boyd County's 29%.
In Catlettsburg, the housing stock is 72% single-family homes, 15% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Catlettsburg, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Catlettsburg are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Catlettsburg are primarily heated with natural gas.
FEMA rates Boyd County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $82,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)