Home Insurance in Muldraugh, Kentucky
Homes in Muldraugh carry a median value of $76,700 - 63% lower than the Meade County median.
The typical home in Muldraugh was built around 1968. About 34% of homes were built before 1960, about 19 points above Meade County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Muldraugh is 41% single-family homes, 21% apartments in buildings with 5+ units and 23% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 29% of owner-occupied homes in Muldraugh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Muldraugh are owner-occupied.
In Muldraugh, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Muldraugh? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Meade County and Meade County had 26 active NFIP flood policies as of September 2026. See the full Meade 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 | $76,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Meade County | 26 |
| 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)