Home Insurance in Letcher County, Kentucky
With a median home value of $67,400, Letcher County is 67% lower than the Kentucky median.
The typical home in Letcher County was built around 1979. About 29% of homes were built before 1960, about 7 points above Kentucky's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Letcher County is 63% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Letcher County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Letcher County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Letcher County, 79% of homes 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.
The top hazards for Letcher County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate).
As of September 2026, Letcher County has 153 active NFIP flood insurance policies. 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 | $67,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 153 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
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)