Home Insurance in Powderly, Kentucky
Homes in Powderly carry a median value of $99,300 - 22% lower than the Muhlenberg County median.
The typical home in Powderly was built around 1974. About 23% of homes were built before 1960, about 3 points above Muhlenberg County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Powderly is 68% single-family homes, 3% 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.
In Powderly, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Powderly are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Powderly, 55% of homes are primarily heated with natural gas.
Muhlenberg County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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 | $99,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)