Home Insurance in Adairville, Kentucky
With a median home value of $117,400, Adairville is 29% lower than the Logan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Adairville was built around 1971. About 32% of homes were built before 1960, about 11 points above Logan County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Adairville is 65% single-family homes, 18% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
37% of owner-occupied homes in Adairville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Adairville has an owner-occupancy rate of 58% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Adairville - 70% - are primarily heated with natural gas.
Logan County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $117,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Logan County | 78 |
| 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)