Home Insurance in Greensburg, Kentucky
With a median home value of $140,400, Greensburg is 12% higher than the Green County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Greensburg was built around 1970. About 40% of homes were built before 1960, about 11 points above Green County's 29%.
In Greensburg, the housing stock is 82% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
49% of owner-occupied homes in Greensburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Greensburg are owner-occupied.
53% of homes in Greensburg are primarily heated with natural gas.
Green County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Green County had 6 active NFIP flood policies as of September 2026. See the full Green 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 | $140,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Green County | 6 |
| 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)