Home Insurance in Fulton, Kentucky
The median home value in Fulton is $56,300, 29% lower than the Fulton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fulton was built around 1967. About 38% of homes were built before 1960, about 9 points above Fulton County's 29%.
In Fulton, the housing stock is 77% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Fulton, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fulton has an owner-occupancy rate of 53% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
52% of homes in Fulton are primarily heated with electricity.
FEMA rates Fulton County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Fulton County had 26 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $56,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Fulton County | 26 |
| 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)