Home Insurance in Rockport, Kentucky
Homes in Rockport carry a median value of $95,000 - 22% lower than the Ohio County median.
The typical home in Rockport was built around 1969. About 26% of homes were built before 1960, about 10 points above Ohio County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Rockport, the housing stock is 77% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rockport, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rockport has an owner-occupancy rate of 95% and a vacancy rate of 32%; 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. 59% of homes in Rockport 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.
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 | $95,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ohio County | 17 |
| 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)