Home Insurance in Wingo, Kentucky
The median home value in Wingo is $117,200, 21% lower than the Graves 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 Wingo was built around 1975. About 21% of homes were built before 1960, about 2 points below Graves County's 23%.
The housing stock in Wingo is 90% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Wingo, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wingo has an owner-occupancy rate of 69% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
67% of homes in Wingo are primarily heated with natural gas.
Graves County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Graves County had 66 active NFIP flood policies as of September 2026. See the full Graves 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 | $117,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Graves County | 66 |
| 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)