Home Insurance in Whitesville, Kentucky
Homes in Whitesville carry a median value of $161,100 - 19% lower than the Daviess County median.
The typical home in Whitesville was built around 1967. About 38% of homes were built before 1960, about 13 points above Daviess County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Whitesville breaks down to 86% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Whitesville, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Whitesville are owner-occupied.
Most homes in Whitesville - 84% - are primarily heated with natural gas.
Daviess County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Daviess County had 713 active NFIP flood policies as of September 2026. See the full Daviess County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $161,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Daviess County | 713 |
| 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)