Home Insurance in Clinton County, Kentucky
With a median home value of $122,200, Clinton County is 41% lower than the Kentucky median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clinton County was built around 1983. About 22% of homes were built before 1960, in line with Kentucky (22%).
The housing stock in Clinton County is 70% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clinton County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Clinton County are owner-occupied.
In Clinton County, 73% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Clinton County's top hazards are winter weather (Relatively Low), hail (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Clinton County has 6 active NFIP flood policies on file.
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 | $122,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)