Home Insurance in Central City, Kentucky
The median home value in Central City is $143,600, 13% higher than the Muhlenberg County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Central City was built around 1975. About 24% of homes were built before 1960, about 4 points above Muhlenberg County's 20%.
In Central City, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Central City, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Central City are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Central City, 53% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Central City? FEMA's National Risk Index points to earthquake (Relatively Low) in Muhlenberg County and Muhlenberg County had 33 active NFIP flood policies as of September 2026. See the full Muhlenberg County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $143,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Muhlenberg County | 33 |
| 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)