Home Insurance in Clinton, Kentucky
With a median home value of $67,100, Clinton is 42% lower than the Hickman County median.
The typical home in Clinton was built around 1968. About 32% of homes were built before 1960, about 9 points above Hickman County's 24%. 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 Clinton is 79% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
About 36% of owner-occupied homes in Clinton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Clinton are owner-occupied.
48% of homes in Clinton are primarily heated with natural gas.
What's the biggest home insurance risk near Clinton? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Hickman County and Hickman County had 3 active NFIP flood policies as of September 2026. See the full Hickman County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $67,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Hickman County | 3 |
| 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)