Home Insurance in Pippa Passes, Kentucky
The typical home in Pippa Passes was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 6 points below Knott County's 19%.
Housing in Pippa Passes breaks down to 57% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
25% of owner-occupied homes in Pippa Passes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 8% of occupied homes in Pippa Passes are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Pippa Passes are primarily heated with electricity.
FEMA rates Knott County's overall risk as Relatively Low, led by wildfire (Relatively Low). Knott County had 70 active NFIP flood policies as of September 2026. See the full Knott 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 year built | 1984 |
|---|---|
| Owner-occupied share | 8% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Knott County | 70 |
| 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)