Home Insurance in Radcliff, Kentucky
Homes in Radcliff carry a median value of $169,600 - 25% lower than the Hardin County median.
The typical home in Radcliff was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 4 points below Hardin County's 15%.
In Radcliff, the housing stock is 60% single-family homes, 16% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Radcliff carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Radcliff has an owner-occupancy rate of 50% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Radcliff - 76% - are primarily heated with electricity.
FEMA rates Hardin County's overall risk as Relatively Low, led by strong wind (Relatively High). Hardin County had 295 active NFIP flood policies as of September 2026. See the full Hardin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $169,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Hardin County | 295 |
| 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)