Home Insurance in Carrollton, Kentucky
Homes in Carrollton carry a median value of $113,200 - 20% lower than the Carroll County median.
The typical home in Carrollton was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 15 points above Carroll County's 23%.
The housing stock in Carrollton is 71% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Carrollton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carrollton has an owner-occupancy rate of 37% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Carrollton - 62% - are primarily heated with natural gas.
Carroll County had 72 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $113,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Carroll 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)