Home Insurance in Warsaw, Kentucky
With a median home value of $185,900, Warsaw is close to the Gallatin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Warsaw was built around 1985. About 34% of homes were built before 1960, about 17 points above Gallatin County's 17%.
The housing stock in Warsaw is 45% single-family homes, 46% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Warsaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in Warsaw are owner-occupied.
In Warsaw, 70% of homes are primarily heated with electricity.
Gallatin County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Gallatin County had 61 active NFIP flood policies as of September 2026. See the full Gallatin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $185,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Gallatin County | 61 |
| 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)