Home Insurance in Greenup County, Kentucky
Homes in Greenup County carry a median value of $134,000 - 35% lower than the Kentucky median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Greenup County was built around 1975. About 23% of homes were built before 1960, about 1 point above Kentucky's 22%.
In Greenup County, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Greenup County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Greenup County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Greenup County are primarily heated with electricity.
The top hazards for Greenup County, per FEMA's National Risk Index, are inland flooding (Relatively Low), strong wind (Relatively Low) and winter weather (Relatively Low).
As of September 2026, Greenup County has 346 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $134,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Strong Wind (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 346 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)