Home Insurance in Oak Grove, Kentucky
Homes in Oak Grove carry a median value of $148,700 - 14% lower than the Christian County median.
The typical home in Oak Grove was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 15 points below Christian County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oak Grove is 68% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
86% of owner-occupied homes in Oak Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Oak Grove are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Oak Grove - 88% - are primarily heated with electricity.
Christian County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Christian County had 330 active NFIP flood policies as of September 2026. See the full Christian County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $148,700 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 86% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Christian County | 330 |
| 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)