Home Insurance in Bellefonte, Kentucky
Homes in Bellefonte carry a median value of $282,600 - 111% higher than the Greenup County median.
The typical home in Bellefonte was built around 1963. About 43% of homes were built before 1960, about 20 points above Greenup County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Bellefonte breaks down to 100% single-family homes.
In Bellefonte, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bellefonte has an owner-occupancy rate of 93% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Bellefonte - 79% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bellefonte? FEMA's National Risk Index points to inland flooding (Relatively Low) in Greenup County and Greenup County had 346 active NFIP flood policies as of September 2026. See the full Greenup County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $282,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Greenup County | 346 |
| 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)