Home Insurance in Berry, Kentucky
The median home value in Berry is $99,300, 51% lower than the Harrison County median.
The typical home in Berry was built around 1943. About 71% of homes were built before 1960, about 46 points above Harrison County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Berry is 95% single-family homes and 5% mobile or manufactured homes.
In Berry, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Berry has an owner-occupancy rate of 85% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Berry, 54% of homes 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.
Harrison County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Harrison County had 103 active NFIP flood policies as of September 2026. See the full Harrison County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $99,300 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Harrison County | 103 |
| 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)