Home Insurance in Leslie County, Kentucky
The median home value in Leslie County is $69,000, 66% lower than the Kentucky median.
The typical home in Leslie County was built around 1984. About 20% of homes were built before 1960, about 1 point below Kentucky's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leslie County is 67% single-family homes, 2% apartments in buildings with 5+ units and 32% mobile or manufactured homes.
About 31% of owner-occupied homes in Leslie County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leslie County has an owner-occupancy rate of 86% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leslie County, 71% of homes are primarily heated with electricity.
The top hazards for Leslie County, per FEMA's National Risk Index, are wildfire (Very Low), inland flooding (Relatively Low) and winter weather (Relatively Low).
Leslie County had 28 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $69,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Inland Flooding (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 28 |
| 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)