Home Insurance in Lee County, Kentucky
With a median home value of $83,900, Lee County is 59% lower than the Kentucky median.
The typical home in Lee County was built around 1988. About 17% of homes were built before 1960, about 4 points below Kentucky's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Lee County, the housing stock is 69% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Lee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lee County has an owner-occupancy rate of 78% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lee County, 55% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Very Low), winter weather (Relatively Low) and strong wind (Relatively Low) as the leading hazards for Lee County.
As of September 2026, Lee County has 20 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $83,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 20 |
| 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)