Home Insurance in Perryville, Kentucky
The median home value in Perryville is $144,800, 31% lower than the Boyle County median.
The median home in Perryville was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 38 points above Boyle County's 24%.
Housing in Perryville breaks down to 69% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 31% of owner-occupied homes in Perryville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Perryville has an owner-occupancy rate of 83% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Perryville, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Perryville? 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 | $144,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)