Home Insurance in Livingston, Kentucky
The median home value in Livingston is $72,000, 42% lower than the Rockcastle County median.
The typical home in Livingston was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 32 points above Rockcastle County's 17%.
In Livingston, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Livingston, about 4% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Livingston are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Livingston, 49% of homes 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.
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 | $72,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 4% |
| 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)