Home Insurance in Robertson County, Kentucky
Homes in Robertson County carry a median value of $165,100 - 20% lower than the Kentucky median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Robertson County was built around 1985. About 29% of homes were built before 1960, about 7 points above Kentucky's 22%.
The housing stock in Robertson County is 70% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Robertson County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Robertson County are owner-occupied.
Most homes in Robertson County - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Robertson County, per FEMA's National Risk Index, are earthquake (Very Low), tornado (Very Low) and strong wind (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Robertson County has 4 active NFIP flood policies on file.
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 | $165,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Earthquake (Very Low), Tornado (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| 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)