Home Insurance in Coal Run Village, Kentucky
Homes in Coal Run Village carry a median value of $132,400 - 18% higher than the Pike County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Coal Run Village was built around 1995. About 5% of homes were built before 1960, about 9 points below Pike County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coal Run Village is 45% single-family homes and 53% mobile or manufactured homes.
About 43% of owner-occupied homes in Coal Run Village have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Coal Run Village has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Coal Run Village, 82% of homes are primarily heated with electricity.
Pike County had 822 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Pike County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kentucky carries a statewide average premium of $1,525 per year.
Key figures
| Median home value | $132,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Pike County | 822 |
| 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)