Home Insurance in Prestonsburg, Kentucky
Homes in Prestonsburg carry a median value of $161,300 - 63% higher than the Floyd County median.
The typical home in Prestonsburg was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 3 points above Floyd County's 20%.
In Prestonsburg, the housing stock is 55% single-family homes, 23% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Prestonsburg, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in Prestonsburg are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Prestonsburg - 62% - are primarily heated with electricity.
Floyd County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Floyd County had 436 active NFIP flood policies as of September 2026. See the full Floyd 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 | $161,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Floyd County | 436 |
| 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)