Home Insurance in Harrison County, Kentucky
With a median home value of $202,100, Harrison County is close to the Kentucky median.
The typical home in Harrison County was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 3 points above Kentucky's 22%.
In Harrison County, the housing stock is 74% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Harrison County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harrison County has an owner-occupancy rate of 71% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Harrison County are primarily heated with electricity.
Per FEMA's National Risk Index, Harrison County's top hazards are strong wind (Relatively Moderate), tornado (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Harrison County has 103 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $202,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 103 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)