Home Insurance in Menifee County, Kentucky
Homes in Menifee County carry a median value of $125,800 - 39% lower than the Kentucky median.
The typical home in Menifee County was built around 1989. About 7% of homes were built before 1960, about 15 points below Kentucky's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Menifee County is 77% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Menifee County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Menifee County are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Menifee County - 63% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Very Low), winter weather (Very Low) and strong wind (Relatively Low) as the leading hazards for Menifee County.
As of September 2026, Menifee County has 30 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $125,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 30 |
| 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)