Home Insurance in Fleming County, Kentucky
With a median home value of $134,700, Fleming County is 34% lower than the Kentucky median.
The typical home in Fleming County was built around 1986. About 23% of homes were built before 1960, about 1 point above Kentucky's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fleming County is 65% single-family homes, 4% apartments in buildings with 5+ units and 28% mobile or manufactured homes.
49% of owner-occupied homes in Fleming County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fleming County has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Fleming County - 67% - 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.
The top hazards for Fleming County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), tornado (Relatively Low) and winter weather (Relatively Low).
As of September 2026, Fleming County has 29 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $134,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 29 |
| 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)