Home Insurance in Lewis County, Kentucky
With a median home value of $96,000, Lewis County is 53% lower than the Kentucky median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lewis County was built around 1985. About 23% of homes were built before 1960, about 1 point above Kentucky's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lewis County is 69% single-family homes, 4% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
About 44% of owner-occupied homes in Lewis County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lewis County has an owner-occupancy rate of 79% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Lewis County, 50% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Low), strong wind (Relatively Low) and winter weather (Relatively Low) as the leading hazards for Lewis County.
Lewis County had 70 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.
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 | $96,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Strong Wind (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 70 |
| 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)