Home Insurance in Sacramento, Kentucky
Homes in Sacramento carry a median value of $75,300 - 49% lower than the McLean County median.
The typical home in Sacramento was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, about 10 points above McLean County's 24%.
The housing stock in Sacramento is 57% single-family homes, 16% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Sacramento have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sacramento has an owner-occupancy rate of 65% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Sacramento - 53% - are primarily heated with natural gas.
FEMA rates McLean County's overall risk as Very Low, led by earthquake (Relatively Low). McLean County had 61 active NFIP flood policies as of September 2026. See the full McLean 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 | $75,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in McLean County | 61 |
| 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)