Home Insurance in Grant County, Kentucky
The median home value in Grant County is $209,500, close to the Kentucky median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Grant County was built around 1990. About 11% of homes were built before 1960, about 11 points below Kentucky's 22%.
The housing stock in Grant County is 66% single-family homes, 7% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Grant County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Grant County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Grant County - 58% - are primarily heated with electricity.
Per FEMA's National Risk Index, Grant County's top hazards are tornado (Relatively Low), strong wind (Relatively Moderate) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Grant County had 12 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $209,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Strong Wind (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)