Home Insurance in Greenville, Kentucky
Homes in Greenville carry a median value of $116,400 - 9% lower than the Muhlenberg County median.
The typical home in Greenville was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 19 points above Muhlenberg County's 20%.
Housing in Greenville breaks down to 74% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 42% of owner-occupied homes in Greenville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Greenville are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Greenville - 59% - are primarily heated with electricity.
FEMA rates Muhlenberg County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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.
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 | $116,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)