Home Insurance in Somerset, Kentucky
With a median home value of $144,000, Somerset is 14% lower than the Pulaski County median.
The typical home in Somerset was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 17 points above Pulaski County's 13%.
In Somerset, the housing stock is 66% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Somerset, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 49% of occupied homes in Somerset are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Somerset, 58% 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 | $144,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 49% |
| 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)