Home Insurance in Horse Cave, Kentucky
The median home value in Horse Cave is $113,700, 22% lower than the Hart County median.
The typical home in Horse Cave was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, about 14 points above Hart County's 23%.
In Horse Cave, the housing stock is 65% single-family homes, 13% apartments in buildings with 5+ units and 4% 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 54% of owner-occupied homes in Horse Cave have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Horse Cave has an owner-occupancy rate of 53% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
57% of homes in Horse Cave are primarily heated with natural gas.
What's the biggest home insurance risk near Horse Cave? FEMA's National Risk Index points to hail (Relatively Moderate) in Hart County and 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.
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 | $113,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)