Home Insurance in Smithland, Kentucky
The median home value in Smithland is $98,000, 22% lower than the Livingston County median.
The typical home in Smithland was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 27 points above Livingston County's 21%.
In Smithland, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Smithland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Smithland has an owner-occupancy rate of 68% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Smithland are primarily heated with electricity.
What's the biggest home insurance risk near Smithland? FEMA's National Risk Index points to earthquake (Relatively Low) in Livingston County and Livingston County had 59 active NFIP flood policies as of September 2026. See the full Livingston County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $98,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Livingston County | 59 |
| 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)