Home Insurance in Danville, Kentucky
Homes in Danville carry a median value of $207,600 - close to the Boyle 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 Danville was built around 1975. About 27% of homes were built before 1960, about 3 points above Boyle County's 24%.
The housing stock in Danville is 70% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Danville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Danville are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Danville, 49% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Danville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Boyle County and Boyle County had 84 active NFIP flood policies as of September 2026. See the full Boyle 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 | $207,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Boyle County | 84 |
| 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)