Home Insurance in Worthington, Kentucky
With a median home value of $133,200, Worthington is close to the Greenup County median.
The typical home in Worthington was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 13 points above Greenup County's 23%.
In Worthington, the housing stock is 98% single-family homes and 1% mobile or manufactured homes.
65% of owner-occupied homes in Worthington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Worthington has an owner-occupancy rate of 69% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
75% of homes in Worthington 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 | $133,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)