Home Insurance in Kuttawa, Kentucky
The median home value in Kuttawa is $292,200, 54% higher than the Lyon County median.
The typical home in Kuttawa was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 3 points above Lyon County's 10%.
The housing stock in Kuttawa is 73% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
41% of owner-occupied homes in Kuttawa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Kuttawa are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Kuttawa are primarily heated with natural gas.
Lyon County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lyon County had 1 active NFIP flood policy as of September 2026. See the full Lyon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $292,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lyon County | 1 |
| 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)