Home Insurance in Hustonville, Kentucky
Homes in Hustonville carry a median value of $132,000 - 10% lower than the Lincoln County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hustonville was built around 1966. About 35% of homes were built before 1960, about 17 points above Lincoln County's 18%.
The housing stock in Hustonville is 81% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hustonville, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Hustonville are owner-occupied.
49% of homes in Hustonville are primarily heated with natural gas.
Lincoln County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Lincoln County had 12 active NFIP flood policies as of September 2026. See the full Lincoln County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $132,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 12 |
| 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)