Home Insurance in Nortonville, Kentucky
The median home value in Nortonville is $69,000, 52% lower than the Hopkins County median.
The typical home in Nortonville was built around 1970. About 42% of homes were built before 1960, about 14 points above Hopkins County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Nortonville is 68% single-family homes, 1% apartments in buildings with 5+ units and 21% 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 Nortonville, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Nortonville are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Nortonville, 51% of homes are primarily heated with electricity.
FEMA rates Hopkins County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 | $69,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)