Home Insurance in Vicco, Kentucky
The median home value in Vicco is $109,700, 19% higher than the Perry County median.
The typical home in Vicco was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 13 points above Perry County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vicco is 50% single-family homes and 40% mobile or manufactured homes.
38% of owner-occupied homes in Vicco carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Vicco are owner-occupied.
Most homes in Vicco - 81% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Perry County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Perry County had 164 active NFIP flood policies as of September 2026. See the full Perry County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $109,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Perry County | 164 |
| 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)