Home Insurance in Woodbury, Kentucky
The typical home in Woodbury was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 39 points above Butler County's 16%.
Housing in Woodbury breaks down to 100% single-family homes.
In Woodbury, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Woodbury are owner-occupied.
Most homes in Woodbury - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Woodbury? FEMA's National Risk Index points to hail (Relatively Moderate) in Butler County and Butler County had 16 active NFIP flood policies as of September 2026. See the full Butler 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 year built | 1956 |
|---|---|
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Butler County | 16 |
| 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)