Home Insurance in Brooksville, Kentucky
With a median home value of $84,800, Brooksville is 32% lower than the Bracken County median.
The typical home in Brooksville was built around 1973. About 38% of homes were built before 1960, about 10 points above Bracken County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brooksville is 56% single-family homes, 16% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
59% of owner-occupied homes in Brooksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Brooksville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brooksville - 65% - are primarily heated with electricity.
FEMA rates Bracken County's overall risk as Very Low, led by strong wind (Relatively Moderate). Bracken County had 56 active NFIP flood policies as of September 2026. See the full Bracken County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $84,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Bracken County | 56 |
| 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)