Home Insurance in Ewing, Kentucky
Homes in Ewing carry a median value of $85,700 - 36% lower than the Fleming County median.
The typical home in Ewing was built around 1962. About 46% of homes were built before 1960, about 24 points above Fleming County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Ewing is 84% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Ewing, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Ewing are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Ewing are primarily heated with propane.
Fleming County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Fleming County had 29 active NFIP flood policies as of September 2026. See the full Fleming County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $85,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Fleming County | 29 |
| 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)