Home Insurance in Elliott County, Kentucky
Homes in Elliott County carry a median value of $123,500 - 40% lower than the Kentucky median.
The typical home in Elliott County was built around 1987. About 16% of homes were built before 1960, about 5 points below Kentucky's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Elliott County is 64% single-family homes, 3% apartments in buildings with 5+ units and 30% mobile or manufactured homes.
44% of owner-occupied homes in Elliott County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Elliott County has an owner-occupancy rate of 82% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Elliott County, 51% 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, Elliott County's top hazards are wildfire (Very Low), winter weather (Relatively Low) and hurricane (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Elliott County has 8 active NFIP flood policies on file.
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 | $123,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 8 |
| 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)