Home Insurance in Caneyville, Kentucky
Homes in Caneyville carry a median value of $116,400 - 29% lower than the Grayson County median.
The typical home in Caneyville was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 6 points above Grayson County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Caneyville is 68% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 33% of owner-occupied homes in Caneyville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Caneyville has an owner-occupancy rate of 60% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
80% of homes in Caneyville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Caneyville? FEMA's National Risk Index points to hail (Relatively Moderate) in Grayson County and Grayson County had 18 active NFIP flood policies as of September 2026. See the full Grayson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $116,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Grayson County | 18 |
| 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)