Home Insurance in Brodhead, Kentucky
The median home value in Brodhead is $150,200, 22% higher than the Rockcastle County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brodhead was built around 1989. About 13% of homes were built before 1960, about 3 points below Rockcastle County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brodhead is 58% single-family homes, 18% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Brodhead, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Brodhead are owner-occupied.
88% of homes in Brodhead are primarily heated with electricity.
Rockcastle County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Rockcastle County had 20 active NFIP flood policies as of September 2026. See the full Rockcastle County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $150,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Rockcastle County | 20 |
| 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)