Home Insurance in Concord, Kentucky
The typical home in Concord was built around 1946. About 59% of homes were built before 1960, about 36 points above Lewis County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Concord is 59% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Concord carry a mortgage.
All occupied homes in Concord are owner-occupied. The vacancy rate is 82%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
100% of homes in Concord are primarily heated with electricity.
What's the biggest home insurance risk near Concord? FEMA's National Risk Index points to inland flooding (Relatively Low) in Lewis County and Lewis County had 70 active NFIP flood policies as of September 2026. See the full Lewis County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median year built | 1946 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Lewis County | 70 |
| 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)