Home Insurance in Flemingsburg, Kentucky
The median home value in Flemingsburg is $132,800, close to the Fleming County median.
The typical home in Flemingsburg was built around 1971. About 39% of homes were built before 1960, about 16 points above Fleming County's 23%. 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 Flemingsburg is 57% single-family homes, 18% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Flemingsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Flemingsburg has an owner-occupancy rate of 44% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Flemingsburg - 62% - are primarily heated with electricity.
Fleming County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). 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 | $132,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)