HomeInsuranceQts

Home Insurance in Fordsville, Kentucky

The typical home in Fordsville was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 11 points above Ohio County's 17%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fordsville is 63% single-family homes, 3% apartments in buildings with 5+ units and 35% mobile or manufactured homes.

57% of owner-occupied homes in Fordsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Fordsville are owner-occupied.

54% of homes in Fordsville are primarily heated with electricity.

FEMA rates Ohio County's overall risk as Relatively Low, led by hail (Relatively Moderate). Ohio County had 17 active NFIP flood policies as of September 2026. See the full Ohio County home insurance overview for all FEMA hazard ratings and flood coverage details.

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 year built1982
Owner-occupied share55%
Share of owner-occupied homes with a mortgage57%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Ohio County17
Home insurance premium$1,525 - statewide average (NAIC, 2023 data)
Key home insurance figures for Fordsville, KY

Nearby towns

Sources

Data last updated: 2026-09-29