Home Insurance in West Point, Kentucky
Homes in West Point carry a median value of $91,000 - 60% lower than the Hardin County median.
The typical home in West Point was built around 1960. About 49% of homes were built before 1960, about 35 points above Hardin County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In West Point, the housing stock is 60% single-family homes, 5% apartments in buildings with 5+ units and 22% 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.
In West Point, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
West Point has an owner-occupancy rate of 58% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
48% of homes in West Point are primarily heated with natural gas.
What's the biggest home insurance risk near West Point? FEMA's National Risk Index points to strong wind (Relatively High) in Hardin County and 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 | $91,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)