Home Insurance in Marshall County, Kentucky
The median home value in Marshall County is $173,800, 15% lower than the Kentucky median.
The typical home in Marshall County was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 6 points below Kentucky's 22%.
The housing stock in Marshall County is 77% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Marshall County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Marshall County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Marshall County, 43% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), strong wind (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Marshall County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Marshall County had 117 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $173,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 117 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)