Home Insurance in Edmonson County, Kentucky
The median home value in Edmonson County is $160,300, 22% 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 Edmonson County was built around 1990. About 10% of homes were built before 1960, about 11 points below Kentucky's 22%.
The housing stock in Edmonson County is 64% single-family homes, 2% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Edmonson County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edmonson County has an owner-occupancy rate of 80% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Edmonson County - 83% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Edmonson County's top hazards are hail (Relatively Moderate), earthquake (Very Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Edmonson County has 5 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $160,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Earthquake (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 5 |
| 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)