Home Insurance in South Shore, Kentucky
With a median home value of $89,200, South Shore is 33% lower than the Greenup County median.
The typical home in South Shore was built around 1964. About 44% of homes were built before 1960, about 22 points above Greenup County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Shore is 72% single-family homes, 18% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 49% of owner-occupied homes in South Shore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in South Shore are owner-occupied.
Most homes in South Shore - 70% - are primarily heated with natural gas.
Greenup County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. 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.
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 | $89,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)