Home Insurance in Elkhorn City, Kentucky
The median home value in Elkhorn City is $116,700, close to the Pike County median.
The typical home in Elkhorn City was built around 1976. About 27% of homes were built before 1960, about 13 points above Pike County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Elkhorn City is 56% single-family homes, 23% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Elkhorn City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Elkhorn City are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Elkhorn City - 96% - are primarily heated with electricity.
Pike County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Pike County had 822 active NFIP flood policies as of September 2026. 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.
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 | $116,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 70% |
| 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)