Home Insurance in Owenton, Kentucky
The median home value in Owenton is $137,500, 18% lower than the Owen County median.
The typical home in Owenton was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 15 points above Owen County's 17%.
Housing in Owenton breaks down to 71% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Owenton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Owenton has an owner-occupancy rate of 58% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Owenton - 79% - are primarily heated with electricity.
Owen County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Owen 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 | $137,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Owen 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)