Home Insurance in Cloverport, Kentucky
The median home value in Cloverport is $84,800, 46% lower than the Breckinridge 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 Cloverport was built around 1978. About 26% of homes were built before 1960, about 16 points above Breckinridge County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cloverport is 61% single-family homes, 19% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
35% of owner-occupied homes in Cloverport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cloverport has an owner-occupancy rate of 61% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Cloverport - 53% - are primarily heated with natural gas.
Breckinridge County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Breckinridge County had 21 active NFIP flood policies as of September 2026. See the full Breckinridge 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 | 1978 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Breckinridge County | 21 |
| 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)