Home Insurance in Irvington, Kentucky
Homes in Irvington carry a median value of $116,700 - 26% 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 Irvington was built around 1974. About 29% of homes were built before 1960, about 18 points above Breckinridge County's 11%.
In Irvington, the housing stock is 72% single-family homes, 16% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Irvington, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Irvington has an owner-occupancy rate of 65% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Irvington, 63% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Irvington? FEMA's National Risk Index points to hail (Relatively Moderate) in Breckinridge County and 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.
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 | $116,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)