Home Insurance in Corinth, Kentucky
With a median home value of $150,000, Corinth is 28% lower than the Grant County median.
The typical home in Corinth was built around 1983. About 42% of homes were built before 1960, about 31 points above Grant County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Corinth is 68% single-family homes, 19% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
52% of owner-occupied homes in Corinth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Corinth are owner-occupied.
Most homes in Corinth - 61% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grant County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Grant County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $150,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Grant County | 12 |
| 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)