Home Insurance in Pendleton County, Kentucky
Homes in Pendleton County carry a median value of $159,800 - 22% lower than the Kentucky median.
The typical home in Pendleton County was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 9 points above Kentucky's 22%.
The housing stock in Pendleton County is 73% single-family homes, 3% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pendleton County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pendleton County has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pendleton County, 47% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), tornado (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Pendleton County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pendleton County has 155 active NFIP flood policies on file.
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 | $159,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 155 |
| 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)