Home Insurance in Hazel, Kentucky
Homes in Hazel carry a median value of $111,900 - 39% lower than the Calloway County median.
The typical home in Hazel was built around 1973. About 28% of homes were built before 1960, about 11 points above Calloway County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hazel, the housing stock is 71% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Hazel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Hazel are owner-occupied.
In Hazel, 50% of homes are primarily heated with electricity.
FEMA rates Calloway County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Calloway County had 72 active NFIP flood policies as of September 2026. See the full Calloway 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 | $111,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Calloway County | 72 |
| 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)