Home Insurance in Pikeville, Kentucky
With a median home value of $263,800, Pikeville is 136% higher than the Pike County median.
The typical home in Pikeville was built around 1983. About 19% of homes were built before 1960, about 5 points above Pike County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Pikeville, the housing stock is 51% single-family homes, 31% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Pikeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Pikeville are owner-occupied.
Most homes in Pikeville - 84% - are primarily heated with electricity.
FEMA rates Pike County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). 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 | $263,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)