Home Insurance in Jackson, Kentucky
The median home value in Jackson is $77,500, 10% higher than the Breathitt County median.
The typical home in Jackson was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 10 points above Breathitt County's 11%.
The housing stock in Jackson is 50% single-family homes, 16% apartments in buildings with 5+ units and 23% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Jackson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Jackson are owner-occupied.
63% of homes in Jackson are primarily heated with electricity.
Breathitt County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Breathitt County had 90 active NFIP flood policies as of September 2026. See the full Breathitt County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $77,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Breathitt County | 90 |
| 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)