Home Insurance in Leitchfield, Kentucky
With a median home value of $159,100, Leitchfield is close to the Grayson 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 Leitchfield was built around 1977. About 14% of homes were built before 1960, about 3 points above Grayson County's 11%.
The housing stock in Leitchfield is 60% single-family homes, 13% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Leitchfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 50% of occupied homes in Leitchfield are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Leitchfield - 69% - are primarily heated with electricity.
What's the biggest home insurance risk near Leitchfield? 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.
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 | $159,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)