Home Insurance in Dawson Springs, Kentucky
The median home value in Dawson Springs is $70,000, 51% lower than the Hopkins County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dawson Springs was built around 1962. About 48% of homes were built before 1960, about 20 points above Hopkins County's 28%.
In Dawson Springs, the housing stock is 71% single-family homes, 10% apartments in buildings with 5+ units and 5% 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.
In Dawson Springs, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Dawson Springs are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dawson Springs - 66% - are primarily heated with natural gas.
Hopkins County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Hopkins County had 79 active NFIP flood policies as of September 2026. See the full Hopkins County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $70,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Hopkins County | 79 |
| 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)