Home Insurance in Beattyville, Kentucky
With a median home value of $113,600, Beattyville is 35% higher than the Lee 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 Beattyville was built around 1988. About 14% of homes were built before 1960, about 3 points below Lee County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beattyville is 49% single-family homes, 30% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Beattyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Beattyville are owner-occupied.
In Beattyville, 81% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Beattyville? FEMA's National Risk Index points to wildfire (Very Low) in Lee County and Lee County had 20 active NFIP flood policies as of September 2026. See the full Lee 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 | $113,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Lee County | 20 |
| 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)