Home Insurance in Earlington, Kentucky
The median home value in Earlington is $64,000, 55% lower than the Hopkins County median.
The typical home in Earlington was built around 1952. About 63% of homes were built before 1960, about 35 points above Hopkins County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Earlington is 83% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 38% of owner-occupied homes in Earlington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Earlington has an owner-occupancy rate of 70% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Earlington, 70% of homes 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.
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 | $64,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)