Home Insurance in Bonnieville, Kentucky
Homes in Bonnieville carry a median value of $148,400 - close to the Hart County median.
The typical home in Bonnieville was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 32 points above Hart County's 23%.
The housing stock in Bonnieville is 91% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Bonnieville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Bonnieville are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 87% of homes in Bonnieville are primarily heated with electricity.
Hart County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Hart County had 24 active NFIP flood policies as of September 2026. See the full Hart 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 | $148,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hart County | 24 |
| 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)