Home Insurance in Science Hill, Kentucky
With a median home value of $138,700, Science Hill is 17% lower than the Pulaski County median.
The typical home in Science Hill was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 20 points above Pulaski County's 13%.
Housing in Science Hill breaks down to 84% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Science Hill, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Science Hill are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Science Hill, 91% of homes are primarily heated with electricity.
Pulaski County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Pulaski County had 21 active NFIP flood policies as of September 2026. See the full Pulaski County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $138,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Pulaski County | 21 |
| 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)