Home Insurance in Hodgenville, Kentucky
Homes in Hodgenville carry a median value of $151,400 - 17% lower than the Larue County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hodgenville was built around 1967. About 36% of homes were built before 1960, about 15 points above Larue County's 21%.
Housing in Hodgenville breaks down to 85% single-family homes and 9% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Hodgenville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Hodgenville are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hodgenville, 61% of homes are primarily heated with electricity.
Larue County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Larue County had 13 active NFIP flood policies as of September 2026. See the full Larue 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 | $151,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Larue County | 13 |
| 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)