Home Insurance in Pleasureville, Kentucky
Homes in Pleasureville carry a median value of $153,400 - 22% lower than the Henry County median.
The median home in Pleasureville was built in 1939 or earlier. About 62% of homes were built before 1960, about 34 points above Henry County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pleasureville is 88% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pleasureville, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Pleasureville are owner-occupied.
77% of homes in Pleasureville are primarily heated with natural gas.
What's the biggest home insurance risk near Pleasureville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Henry County and Henry County had 22 active NFIP flood policies as of September 2026. See the full Henry 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 | $153,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Henry County | 22 |
| 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)