Home Insurance in Irvine, Kentucky
The median home value in Irvine is $139,200, 16% higher than the Estill County median.
The typical home in Irvine was built around 1961. About 49% of homes were built before 1960, about 26 points above Estill County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Irvine is 58% single-family homes, 28% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Irvine, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 44% of occupied homes in Irvine are owner-occupied.
In Irvine, 52% of homes are primarily heated with electricity.
Estill County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Estill County had 52 active NFIP flood policies as of September 2026. See the full Estill County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $139,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Estill County | 52 |
| 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)