Home Insurance in Pulaski County, Kentucky
The median home value in Pulaski County is $166,900, 19% lower than the Kentucky median.
The typical home in Pulaski County was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 9 points below Kentucky's 22%.
The housing stock in Pulaski County is 71% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Pulaski County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Pulaski County are owner-occupied.
In Pulaski County, 82% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Pulaski County's top hazards are winter weather (Relatively High), hail (Relatively Moderate) and strong wind (Relatively High).
As of September 2026, Pulaski County has 21 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $166,900 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 21 |
| 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)