Home Insurance in Paducah, Kentucky
Homes in Paducah carry a median value of $165,300 - 12% lower than the McCracken County median.
The typical home in Paducah was built around 1967. About 42% of homes were built before 1960, about 16 points above McCracken County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Paducah, the housing stock is 64% single-family homes, 19% apartments in buildings with 5+ units and 4% 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.
In Paducah, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Paducah are owner-occupied.
In Paducah, 57% of homes are primarily heated with natural gas.
FEMA rates McCracken County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). McCracken County had 206 active NFIP flood policies as of September 2026. See the full McCracken County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $165,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in McCracken County | 206 |
| 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)