Home Insurance in Hyden, Kentucky
With a median home value of $109,200, Hyden is 58% higher than the Leslie County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hyden was built around 1974. About 20% of homes were built before 1960, in line with Leslie County (20%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hyden is 72% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Hyden, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Hyden are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hyden - 86% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Leslie County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Leslie 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 | $109,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Leslie County | 28 |
| 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)