Home Insurance in Hickman, Kentucky
Homes in Hickman carry a median value of $70,800 - 10% lower than the Fulton County median.
The typical home in Hickman was built around 1972. About 25% of homes were built before 1960, about 4 points below Fulton County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hickman, the housing stock is 82% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 41% of owner-occupied homes in Hickman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hickman has an owner-occupancy rate of 51% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Hickman, 49% of homes are primarily heated with natural gas.
Fulton County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $70,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)