Home Insurance in Ghent, Kentucky
With a median home value of $98,300, Ghent is 30% lower than the Carroll County median.
The typical home in Ghent was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 30 points above Carroll County's 23%.
In Ghent, the housing stock is 82% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ghent, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 46% of occupied homes in Ghent are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ghent, 45% of homes are primarily heated with natural gas.
Carroll County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Carroll County had 72 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $98,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)