Home Insurance in Mount Vernon, Kentucky
With a median home value of $111,400, Mount Vernon is 10% lower than the Rockcastle County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mount Vernon was built around 1978. About 22% of homes were built before 1960, about 5 points above Rockcastle County's 17%.
The housing stock in Mount Vernon is 54% single-family homes, 17% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mount Vernon, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mount Vernon has an owner-occupancy rate of 50% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Mount Vernon - 91% - are primarily heated with electricity.
What's the biggest home insurance risk near Mount Vernon? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Rockcastle County and 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 | $111,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)