Home Insurance in Hickman County, Kentucky
The median home value in Hickman County is $115,700, 44% lower than the Kentucky median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hickman County was built around 1975. About 24% of homes were built before 1960, about 2 points above Kentucky's 22%.
In Hickman County, the housing stock is 81% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Hickman County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Hickman County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 34% of homes in Hickman County are primarily heated with propane.
Per FEMA's National Risk Index, Hickman County's top hazards are earthquake (Relatively Moderate), strong wind (Relatively Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hickman County has 3 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $115,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| 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)