Home Insurance in Cumberland, Kentucky
The median home value in Cumberland is $66,500, 10% lower than the Harlan County median.
The typical home in Cumberland was built around 1971. About 30% of homes were built before 1960, in line with Harlan County (30%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cumberland, the housing stock is 62% single-family homes, 12% apartments in buildings with 5+ units and 16% 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.
About 14% of owner-occupied homes in Cumberland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cumberland has an owner-occupancy rate of 53% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Cumberland - 85% - are primarily heated with electricity.
FEMA rates Harlan County's overall risk as Relatively Low, led by strong wind (Relatively High). Harlan County had 275 active NFIP flood policies as of September 2026. See the full Harlan County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $66,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Harlan County | 275 |
| 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)