Home Insurance in Fredonia, Kentucky
With a median home value of $108,500, Fredonia is 8% lower than the Caldwell County median.
The typical home in Fredonia was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 9 points above Caldwell County's 27%.
The housing stock in Fredonia is 92% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fredonia, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fredonia has an owner-occupancy rate of 90% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
70% of homes in Fredonia are primarily heated with natural gas.
What's the biggest home insurance risk near Fredonia? FEMA's National Risk Index points to earthquake (Relatively Low) in Caldwell County and Caldwell County had 19 active NFIP flood policies as of September 2026. See the full Caldwell County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $108,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Caldwell County | 19 |
| 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)