Home Insurance in Owsley County, Kentucky
With a median home value of $80,100, Owsley County is 61% lower than the Kentucky median.
The typical home in Owsley County was built around 1990. About 15% of homes were built before 1960, about 6 points below Kentucky's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Owsley County is 64% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 26% of owner-occupied homes in Owsley County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Owsley County are owner-occupied.
Most homes in Owsley County - 59% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Owsley County's top hazards are wildfire (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Owsley County has 9 active NFIP flood policies on file.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $80,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)