Home Insurance in Salyersville, Kentucky
Homes in Salyersville carry a median value of $77,400 - 13% lower than the Magoffin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Salyersville was built around 1983. About 28% of homes were built before 1960, about 16 points above Magoffin County's 12%.
The housing stock in Salyersville is 54% single-family homes, 11% apartments in buildings with 5+ units and 24% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Salyersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Salyersville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Salyersville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Magoffin County's overall risk as Very Low, led by wildfire (Relatively Low). Magoffin County had 75 active NFIP flood policies as of September 2026. See the full Magoffin 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 | $77,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Magoffin County | 75 |
| 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)