Home Insurance in Wurtland, Kentucky
With a median home value of $95,000, Wurtland is 29% lower than the Greenup County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wurtland was built around 1963. About 44% of homes were built before 1960, about 22 points above Greenup County's 23%.
The housing stock in Wurtland is 88% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wurtland, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wurtland has an owner-occupancy rate of 78% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
66% of homes in Wurtland are primarily heated with natural gas.
Greenup County had 346 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). 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 | $95,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)