Home Insurance in Butler, Kentucky
The median home value in Butler is $158,200, close to the Pendleton County median.
The typical home in Butler was built around 1969. 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 2 points above Pendleton County's 30%.
The housing stock in Butler is 65% single-family homes and 28% apartments in buildings with 5+ units.
78% of owner-occupied homes in Butler carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Butler are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
56% of homes in Butler are primarily heated with electricity.
FEMA rates Pendleton County's overall risk as Very Low, led by strong wind (Relatively Moderate). Pendleton County had 155 active NFIP flood policies as of September 2026. See the full Pendleton 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 | $158,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Pendleton County | 155 |
| 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)