Home Insurance in Loyall, Kentucky
Homes in Loyall carry a median value of $75,900 - close to the Harlan County median.
The typical home in Loyall was built around 1959. About 52% of homes were built before 1960, about 22 points above Harlan County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Loyall, the housing stock is 72% single-family homes, 6% apartments in buildings with 5+ units and 10% 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.
38% of owner-occupied homes in Loyall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Loyall are owner-occupied.
Most homes in Loyall - 76% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Harlan County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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.
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 | $75,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)