Home Insurance in London, Kentucky
Homes in London carry a median value of $170,200 - 7% higher than the Laurel County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in London was built around 1983. About 16% of homes were built before 1960, about 6 points above Laurel County's 10%.
In London, the housing stock is 51% single-family homes, 18% apartments in buildings with 5+ units and 6% 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.
54% of owner-occupied homes in London carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 47% of occupied homes in London are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in London are primarily heated with electricity.
What's the biggest home insurance risk near London? FEMA's National Risk Index points to winter weather (Relatively High) in Laurel County and Laurel County had 35 active NFIP flood policies as of September 2026. See the full Laurel 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 | $170,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Laurel County | 35 |
| 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)