Home Insurance in Fountain Run, Kentucky
The median home value in Fountain Run is $121,200, close to the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fountain Run was built around 1978. About 38% of homes were built before 1960, about 16 points above Monroe County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fountain Run is 73% single-family homes, 6% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
About 55% of owner-occupied homes in Fountain Run have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fountain Run has an owner-occupancy rate of 80% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fountain Run, 77% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fountain Run? FEMA's National Risk Index points to hail (Relatively Moderate) in Monroe County and Monroe County had 7 active NFIP flood policies as of September 2026. See the full Monroe 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 | $121,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monroe County | 7 |
| 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)