Home Insurance in Maysville, Kentucky
With a median home value of $151,500, Maysville is 6% lower than the Mason County median.
The typical home in Maysville was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 8 points above Mason County's 31%.
The housing stock in Maysville is 63% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
44% of owner-occupied homes in Maysville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Maysville are owner-occupied.
Most homes in Maysville - 50% - are primarily heated with natural gas.
Mason County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Mason County had 17 active NFIP flood policies as of September 2026. See the full Mason 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 | $151,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Mason County | 17 |
| 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)