Home Insurance in Hopkins County, Kentucky
The median home value in Hopkins County is $142,800, 31% lower than the Kentucky median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hopkins County was built around 1976. About 28% of homes were built before 1960, about 6 points above Kentucky's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hopkins County is 76% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
50% of owner-occupied homes in Hopkins County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Hopkins County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hopkins County, 50% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Hopkins County's top hazards are strong wind (Relatively High), earthquake (Relatively Moderate) and hail (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hopkins County has 79 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 | $142,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Earthquake (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 79 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
St. Charles
- Median home value: $55,700
- Median year built: 1972
- Owner-occupied share: 61%
-
White Plains
- Median home value: $85,700
- Median year built: 1979
- Owner-occupied share: 90%
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)