Home Insurance in Knox County, Kentucky
Homes in Knox County carry a median value of $118,700 - 42% lower than the Kentucky median.
The typical home in Knox County was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 8 points below Kentucky's 22%.
In Knox County, the housing stock is 57% single-family homes, 7% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Knox County, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Knox County has an owner-occupancy rate of 65% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Knox County, 64% of homes are primarily heated with electricity.
The top hazards for Knox County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Moderate) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Knox County has 90 active NFIP flood policies on file.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $118,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 90 |
| 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)