Home Insurance in Worthville, Kentucky
Homes in Worthville carry a median value of $66,400 - 53% lower than the Carroll County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Worthville was built around 1968. About 31% of homes were built before 1960, about 8 points above Carroll County's 23%.
The housing stock in Worthville is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Worthville, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Worthville has an owner-occupancy rate of 73% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Worthville, 65% of homes are primarily heated with electricity.
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.
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 | $66,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)