Home Insurance in Metcalfe County, Kentucky
With a median home value of $110,200, Metcalfe County is 46% lower than the Kentucky median.
The typical home in Metcalfe County was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 6 points below Kentucky's 22%.
The housing stock in Metcalfe County is 66% single-family homes, 4% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Metcalfe County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Metcalfe County has an owner-occupancy rate of 78% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Metcalfe County, 51% of homes 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 hail (Relatively Low), winter weather (Relatively Low) and earthquake (Very Low) as the leading hazards for Metcalfe County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Metcalfe County has 17 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $110,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 17 |
| 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)