Home Insurance in Blaine, Kentucky
With a median home value of $252,800, Blaine is 126% higher than the Lawrence County median.
The typical home in Blaine was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 25 points above Lawrence County's 14%.
In Blaine, the housing stock is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Blaine, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Blaine are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blaine, 65% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Blaine? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Lawrence County and Lawrence County had 38 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $252,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lawrence County | 38 |
| 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)