Home Insurance in Perry County, Kentucky
With a median home value of $91,800, Perry County is 55% lower than the Kentucky median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Perry County was built around 1985. About 15% of homes were built before 1960, about 7 points below Kentucky's 22%.
The housing stock in Perry County is 58% single-family homes, 5% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Perry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Perry County has an owner-occupancy rate of 70% and a vacancy rate of 17%; 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. Most homes in Perry County - 74% - are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Perry County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Perry County has 164 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 | $91,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 164 |
| 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)