Home Insurance in McKee, Kentucky
Homes in McKee carry a median value of $112,800 - close to the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McKee was built around 1986. About 3% of homes were built before 1960, about 7 points below Jackson County's 10%.
The housing stock in McKee is 38% single-family homes, 44% apartments in buildings with 5+ units and 4% 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.
14% of owner-occupied homes in McKee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McKee has an owner-occupancy rate of 40% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in McKee - 75% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near McKee? FEMA's National Risk Index points to wildfire (Relatively Low) in Jackson County and Jackson County had 22 active NFIP flood policies as of September 2026. See the full Jackson 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 | $112,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jackson County | 22 |
| 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)