Home Insurance in Knott County, Kentucky
Homes in Knott County carry a median value of $77,000 - 63% lower than the Kentucky median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Knott County was built around 1982. About 19% of homes were built before 1960, about 2 points below Kentucky's 22%.
The housing stock in Knott County is 66% single-family homes, 3% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Knott County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Knott County are owner-occupied.
58% of homes in Knott County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), inland flooding (Relatively Moderate) and winter weather (Relatively Low) as the leading hazards for Knott County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Knott County has 70 active NFIP flood policies on file.
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 | $77,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 70 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
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)